reglab/housing_qa huggingface dataset:
WA Rev Code § 19.146.350 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.350 - Loan originators—Continuing education—Requirements.

RCW 19.146.350 Loan originators—Continuing education—Requirements.(1) A licensed mortgage loan originator must complete a minimum of eight hours of continuing education, eight of which is approved by the nationwide mortgage licensing system and registry which must include at least three hours of federal law and regulations; two hours of ethics, which must include instruction on fraud, consumer protection, and fair lending issues; and two hours of training related to lending standards for the nontraditional mortgage product marketplace. Additionally, the director may require at least one hour of continuing education on Washington law provided by and administered through an approved provider.(2) The nationwide mortgage licensing system and registry must review and approve continuing education courses. Review and approval of a continuing education course must include review and approval of the course provider.(3) A licensed mortgage loan originator may only receive credit for a continuing education course in the year in which the course is taken, and may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.(4) A licensed mortgage loan originator who is an instructor of an approved continuing education course may receive credit for the licensed mortgage loan originator's own annual continuing education requirement at the rate of two hours credit for every one hour taught.(5) A person having successfully completed the education requirements approved by the nationwide mortgage licensing system and registry for any state must have their credits accepted as credit towards completion of continuing education requirements in this state.(6) This section does not preclude any education course, as approved by the nationwide mortgage licensing system and registry, that is provided by the employer of the mortgage loan originator or an entity which is affiliated with the mortgage loan originator by an agency contract, or any subsidiary or affiliate of such employer or entity. Continuing education may be offered either in a classroom, online, or by any other means approved by the nationwide mortgage licensing system and registry.[ 2009 c 528 § 11.]NOTES:Effective date—License requirement—Implementation—2009 c 528: See notes following RCW 19.146.010.
WA Rev Code § 19.146.353 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.353 - Residential mortgage loan modification services—Written fee agreement—Limitation on fees—Rules.

RCW 19.146.353 Residential mortgage loan modification services—Written fee agreement—Limitation on fees—Rules.(1) In addition to any other requirements under federal or state law, an advance fee may not be collected for residential mortgage loan modification services unless a written disclosure summary of all material terms, in the format adopted by the department under subsection (2) of this section, has been provided to the borrower.(2) The department shall adopt by rule a model written fee agreement, and any other rules necessary to implement this section. This may include, but is not limited to, usual and customary fees for residential mortgage loan modification services.[ 2010 c 35 § 16.]NOTES:Effective date—2010 c 35: See RCW 31.04.904.
WA Rev Code § 19.146.355 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.355 - Third-party residential mortgage loan modification services providers—Duties—Restrictions.

RCW 19.146.355 Third-party residential mortgage loan modification services providers—Duties—Restrictions.(1) In addition to complying with all requirements for loan originators under this chapter, third-party residential mortgage loan modification services providers must:(a) Provide a written fee disclosure summary as described in RCW 19.146.353 before accepting any advance fee;(b) Not receive an advance fee greater than seven hundred fifty dollars;(c) Not charge total fees in excess of usual and customary charges, or total fees that are not reasonable in light of the service provided; and(d) Immediately inform the borrower in writing if the owner of the loan requires additional information from the borrower, or if it becomes apparent that a residential mortgage loan modification is not possible.(2) As a condition for providing a loan modification or loan modification services, third-party residential mortgage loan modification services providers and individuals servicing a residential mortgage loan must not require or encourage a borrower to:(a) Sign a waiver of his or her legal defenses, counterclaims, and other legal rights against the servicer for future acts;(b) Sign a waiver of his or her right to contest a future foreclosure;(c) Waive his or her right to receive notice before the owner or servicer of the loan initiates foreclosure proceedings;(d) Agree to pay charges not enumerated in any agreement between the borrower and the lender, servicer, or owner of the loan; or(e) Cease communication with the lender, investor, or loan servicer.(3) Failure to comply with subsection (1) of this section is a violation of RCW 19.144.080.[ 2010 c 35 § 17.]NOTES:Effective date—2010 c 35: See RCW 31.04.904.
WA Rev Code § 19.146.357 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.357 - Mortgage loan originator—License required—Nationwide mortgage licensing system and registry.

RCW 19.146.357 Mortgage loan originator—License required—Nationwide mortgage licensing system and registry.An individual defined as a mortgage loan originator may not engage in the business of a mortgage loan originator without first obtaining and maintaining annually a license under this chapter. Each licensed mortgage loan originator must register with and maintain a valid unique identifier issued by the nationwide mortgage licensing system and registry.[ 2010 c 35 § 18.]NOTES:Effective date—2010 c 35: See RCW 31.04.904.
WA Rev Code § 19.146.360 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.360 - Director's duty—Process to challenge information—Nationwide mortgage licensing system and registry.

RCW 19.146.360 Director's duty—Process to challenge information—Nationwide mortgage licensing system and registry.The director shall establish a process whereby mortgage loan originators may challenge information entered into the nationwide mortgage licensing system and registry by the director.[ 2009 c 528 § 12.]NOTES:Effective date—License requirement—Implementation—2009 c 528: See notes following RCW 19.146.010.
WA Rev Code § 19.146.370 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.370 - Disclosure of information—Privilege—Confidentiality—Exceptions.

RCW 19.146.370 Disclosure of information—Privilege—Confidentiality—Exceptions.(1) Except as otherwise provided in section 1512 of the S.A.F.E. act, the requirements under any federal law or chapter 42.56 RCW regarding the privacy or confidentiality of any information or material provided to the nationwide mortgage licensing system and registry, and any privilege arising under federal or state law, including the rules of any federal or state court, with respect to that information or material, continues to apply to the information or material after the information or material has been disclosed to the nationwide mortgage licensing system and registry. Information and material may be shared with all state and federal regulatory officials with mortgage industry oversight authority without the loss of privilege or the loss of confidentiality protections provided by federal law or state law.(2) For the purposes under subsection (1) of this section, the director is authorized to enter agreements or sharing arrangements with other governmental agencies, the conference of state bank supervisors, the American association of residential mortgage regulators, or other associations representing governmental agencies as established by rule, regulation, or order of the director.(3) Information or material that is subject to a privilege or confidentiality under subsection (1) of this section is not subject to:(a) Disclosure under any federal or state law governing the disclosure to the public of information held by an officer or an agency of the federal government or the respective state; or(b) Subpoena or discovery, or admission into evidence, in any private civil action or administrative process unless, with respect to any privilege held by the nationwide mortgage licensing system and registry with respect to that information or material, the person to whom the information or material pertains waives, in whole or in part, in the discretion of that person, that privilege.(4) Chapter 42.56 RCW relating to the disclosure of confidential supervisory information or any information or material described in subsection (1) of this section that is inconsistent with subsection (1) of this section is superseded by the requirements of this section.(5) This section does not apply to the information or material relating to the employment history of, and publicly adjudicated disciplinary and enforcement actions against, mortgage loan originators that is included in the nationwide mortgage licensing system and registry for access by the public.[ 2009 c 528 § 15.]NOTES:Effective date—License requirement—Implementation—2009 c 528: See notes following RCW 19.146.010.
WA Rev Code § 19.146.380 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.380 - Director's authority to contract—Records and fees.

RCW 19.146.380 Director's authority to contract—Records and fees.In order to fulfill the purposes of chapter 528, Laws of 2009, the director is authorized to establish relationships or contracts with the nationwide mortgage licensing system and registry or other entities designated by the nationwide mortgage licensing system and registry to collect and maintain records and process transaction fees or other fees related to licensees or other persons subject to this chapter.[ 2009 c 528 § 16.]NOTES:Effective date—License requirement—Implementation—2009 c 528: See notes following RCW 19.146.010.
WA Rev Code § 19.146.390 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.390 - Mortgage brokers—Call reports—Licensing system and registry.

RCW 19.146.390 Mortgage brokers—Call reports—Licensing system and registry.Each mortgage broker licensee must submit call reports through the nationwide mortgage licensing system and registry in a form and containing the information as prescribed by the director or as deemed necessary by the nationwide mortgage licensing system and registry.[ 2015 c 229 § 18; 2009 c 528 § 17.]NOTES:Effective date—License requirement—Implementation—2009 c 528: See notes following RCW 19.146.010.
WA Rev Code § 19.146.400 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.400 - Director's authority—Violation and enforcement reporting.

RCW 19.146.400 Director's authority—Violation and enforcement reporting.The director is authorized to regularly report violations of chapter 528, Laws of 2009, as well as enforcement actions and other relevant information, to the nationwide mortgage licensing system and registry.[ 2009 c 528 § 18.]NOTES:Effective date—License requirement—Implementation—2009 c 528: See notes following RCW 19.146.010.
WA Rev Code § 19.146.900 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.900 - Short title.

RCW 19.146.900 Short title.This act shall be known and cited as the "mortgage broker practices act."[ 1987 c 391 § 2.]
WA Rev Code § 19.146.903 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.903 - Effective dates—1994 c 33.

RCW 19.146.903 Effective dates—1994 c 33.This act is necessary for the immediate preservation of the public peace, health, or safety, or support of the state government and its existing public institutions, and shall take effect immediately [March 21, 1994], except section 5 of this act which shall take effect June 1, 1994.[ 1994 c 33 § 29.]
WA Rev Code § 19.146.904 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.904 - Implementation of act—2006 c 19.

RCW 19.146.904 Implementation of act—2006 c 19.The director of the department of financial institutions or the director's designee may take such steps as are necessary to ensure that chapter 19, Laws of 2006 is implemented on January 1, 2007.[ 2006 c 19 § 23.]
WA Rev Code § 19.146.905 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.146 - Mortgage Broker Practices Act.|19.146.905 - Effective date—2006 c 19.

RCW 19.146.905 Effective date—2006 c 19.This act takes effect January 1, 2007.[ 2006 c 19 § 24.]
WA Rev Code § 19.148.010 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.148 - Mortgage Loan Servicing.|19.148.010 - Finding—Purpose.

RCW 19.148.010 Finding—Purpose.The ability of individuals to obtain information relating to their residential mortgage loans is vital to the financial needs of mortgagors in Washington. The public interest is adversely affected when a residential mortgage loan's servicing is sold or transferred with insufficient notification given to the mortgagor. In addition, mortgagors may experience difficulty in obtaining various mortgage loan information including information concerning mortgage loan prepayments, reserve accounts, and adjustments to monthly payments. The legislature finds that the legitimate interests of mortgagors and mortgage loan servicers are served if the disclosure of the potential sale of loan servicing is made to the mortgagor, reasonable notification of a residential mortgage loan servicing's sale is made, and continued mortgagor access to information regarding the mortgage loan is promoted.[ 1989 c 98 § 1.]
WA Rev Code § 19.148.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.148 - Mortgage Loan Servicing.|19.148.020 - Definitions.

RCW 19.148.020 Definitions.Unless the context requires otherwise, the definitions in this section apply throughout this chapter.(1) "Lender" shall mean any person in the business of making a loan.(2) "Loan" shall mean any loan used to finance the acquisition of a one-to-four family owner-occupied residence located in this state.(3) "Purchasing servicing agent" is any person who purchases, receives through transfer or assignment, or otherwise acquires the responsibility of the servicing for a loan.(4) "Person" shall include an individual, firm, association, partnership, business, trust, corporation, or any other legal entity whether resident or nonresident.[ 1989 c 98 § 2.]
WA Rev Code § 19.148.030 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.148 - Mortgage Loan Servicing.|19.148.030 - Disclosure requirements—Action for damages.

RCW 19.148.030 Disclosure requirements—Action for damages.(1) If the servicing for the loan is subject to sale, transfer, or assignment, a lender shall so disclose in writing at the time of or prior to loan closing and shall also disclose in the same writing that when such servicing is sold, transferred, or assigned, the purchasing servicing agent is required to provide notification to the mortgagor. If a lender, which has not provided the notice required by this subsection, consolidates with, merges with or is acquired by another institution, and thereafter loan servicing becomes subject to sale, transfer, or assignment, that institution shall within thirty days of such transaction make the disclosure in writing to the obligor primarily responsible for repaying each loan according to the records of the lender.(2) If the servicing of a loan is sold, assigned, transferred, or otherwise acquired by another person, the purchasing servicing agent shall:(a)(i) Issue corrected coupon or payment books, if used and necessary;(ii) Provide notification to the mortgagor at least thirty days prior to the due date of the first payment to the purchasing servicing agent, of the name, address, and telephone number of the division from whom the mortgagor can receive information regarding the servicing of the loan; and(iii) Inform the mortgagor of changes made regarding the servicing requirements including, but not limited to, interest rate, monthly payment amount, and escrow balance; and(b) Respond within fifteen business days upon receipt of a written request for information from a mortgagor. A written response must include the telephone number of the company division who can assist the mortgagor.(3) Any person injured by a violation of this chapter may bring an action for actual damages and reasonable attorneys' fees and costs incurred in bringing the action.[ 1989 c 98 § 3.]
WA Rev Code § 19.148.900 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.148 - Mortgage Loan Servicing.|19.148.900 - Effective date—1989 c 98.

RCW 19.148.900 Effective date—1989 c 98.This act shall take effect on January 1, 1990.[ 1989 c 98 § 5.]
WA Rev Code § 19.149.010 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.149 - Residential Mortgage Loan Closing—Valuation Disclosure.|19.149.010 - Definitions.

RCW 19.149.010 Definitions.Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter:(1) "Lender" means any person doing business under the laws of this state or the United States relating to banks, savings banks, trust companies, savings and loan associations, credit unions, consumer loan companies, insurance companies, real estate investment trusts as defined in 26 U.S.C. Sec. 856 and the affiliates, subsidiaries, and service corporations thereof, and all other persons who make residential mortgage loans.(2) "Residential mortgage loan" means any loan used for the purchase of a single-family dwelling or multiple-family dwelling of four or less units secured by a mortgage or deed of trust on the residential real estate.[ 1994 c 295 § 1.]
WA Rev Code § 19.149.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.149 - Residential Mortgage Loan Closing—Valuation Disclosure.|19.149.020 - Purchase money residential mortgage loans—Provision to borrower of documents used by lender to evaluate value—Written waiver.

RCW 19.149.020 Purchase money residential mortgage loans—Provision to borrower of documents used by lender to evaluate value—Written waiver.A lender shall provide to the borrower, prior to the closing of a residential mortgage loan, true and complete copies of all appraisals or other documents relied upon by the lender in evaluating the value of the dwelling to be financed. A borrower may waive in writing the lender's duty to provide the appraisals or other documents prior to closing. This written waiver may not be construed to in any way limit the lender's duty to provide the information to the borrower at a reasonable later date. This section shall only apply to purchase money residential mortgage loans.[ 1994 c 295 § 2.]
WA Rev Code § 19.150.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.150 - Self-Service Storage Facilities.|19.150.020 - Lien on personal property.

RCW 19.150.020 Lien on personal property.The owner of a self-service storage facility and his or her heirs, executors, administrators, successors, and assigns have a lien upon all personal property located at a self-service storage facility for rent, labor, late fees, and costs of the sale, present or future, incurred pursuant to the rental agreement, and for expenses necessary for the preservation, sale, or disposition of personal property subject to this chapter. The lien may be enforced consistent with this chapter. However, any lien on a motor vehicle or boat which has attached and is set forth in the documents of title to the motor vehicle or boat shall have priority over any lien created pursuant to this chapter.[ 2008 c 61 § 3; 1988 c 240 § 3.]
WA Rev Code § 19.150.030 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.150 - Self-Service Storage Facilities.|19.150.030 - Unpaid rent—Denial of access to storage space.

RCW 19.150.030 Unpaid rent—Denial of access to storage space.When any part of the rent or other charges due from an occupant remains unpaid for six consecutive days, and the rental agreement so provides, an owner may deny the occupant access to the storage space at a self-service storage facility.[ 1988 c 240 § 4.]
WA Rev Code § 19.150.040 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.150 - Self-Service Storage Facilities.|19.150.040 - Unpaid rent—Termination of occupant's rights—Notice.

RCW 19.150.040 Unpaid rent—Termination of occupant's rights—Notice.(1) When any part of the rent or other charges due from an occupant remains unpaid for fourteen consecutive days, an owner may terminate the right of the occupant to the use of the storage space at a self-service storage facility by sending a preliminary lien notice to the occupant's last known address, and to the alternative address specified in RCW 19.150.120(2), by first-class mail, postage prepaid, or electronic mail [email] address, containing all of the following:(a) An itemized statement of the owner's claim showing the sums due at the time of the notice and the date when the sums become due.(b) A statement that the occupant's right to use the storage space will terminate on a specified date (not less than fourteen days after the notice is sent) unless all sums due and to become due by that date are paid by the occupant prior to the specified date.(c) A notice that the occupant may be denied or continue to be denied, as the case may be, access to the storage space after the termination date if the sums are not paid, and that an owner's lien, as provided for in RCW 19.150.020 may be imposed thereafter.(d) The name, street address, and telephone number of the owner, or his or her designated agent, whom the occupant may contact to respond to the notice.(2) The owner may not send by electronic mail [email] the notice required under this section to the occupant's last known address or alternative address unless:(a) The occupant expressly agrees to notice by electronic mail [email];(b) The rental agreement executed by the occupant specifies in bold type that notices will be given to the occupant by electronic mail [email];(c) The owner provides the occupant with the electronic mail [email] address from which notices will be sent and directs the occupant to modify his or her email settings to allow electronic mail [email] from that address to avoid any filtration systems; and(d) The owner notifies the occupant of any change in the electronic mail [email] address from which notices will be sent prior to the address change.[ 2015 c 13 § 2; 2007 c 113 § 2; 1988 c 240 § 5.]