reglab/housing_qa huggingface dataset:
WA Rev Code § 19.265.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.020 - Registration of facilitators.

RCW 19.265.020 Registration of facilitators.(1) No person may individually, or in conjunction or cooperation with another person act as a facilitator unless that person is:(a) A tax preparer or works for a person that engages in the business of tax preparation;(b) Accepted by the internal revenue service as an authorized IRS e-file provider; and(c) Registered with the department as a facilitator. The director may prescribe the registration form.(2) A person is registered as a facilitator by providing the department, on or before December 31st of each year with:(a) A list of authorized IRS e-file providers in the state of Washington for the current tax filing year; and(b) A thirty-five dollar processing fee for each authorized e-file provider on the list.(3) After the December 31st deadline, a facilitator may amend the registration required in subsection (2) of this section to reflect additions or deletions of office locations or e-file providers authorized by the internal revenue service.(4) The department shall make available to the public a list of all facilitators registered under this section.(5) This section does not apply to a person doing business as a bank, thrift, savings association, industrial bank, or credit union, operating under the laws of the United States or this state, an affiliate that is a servicer for such an entity, or any person who acts solely as an intermediary and does not deal with a taxpayer in the making of the refund anticipation loan.(6) This chapter shall preempt and be exclusive of all local acts, statutes, ordinances, and regulations relating to refund anticipation loans. This subsection shall be given retroactive and prospective effect.[ 2005 c 471 § 3.]
WA Rev Code § 19.265.030 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.030 - Required disclosure.

RCW 19.265.030 Required disclosure.(1) For all refund anticipation loans, a facilitator must provide clear disclosure to the borrower prior to the borrower's completion of the application. The disclosure must contain the following:(a) The refund anticipation loan fee schedule; and(b) A written statement, in a minimum of ten-point type, containing the following elements:(i) That a refund anticipation loan is a loan, and is not the borrower's actual income tax refund;(ii) That the taxpayer can file an income tax return electronically without applying for a refund anticipation loan;(iii) The average times according to the internal revenue service within which a taxpayer who does not obtain a refund anticipation loan can expect to receive a refund if the taxpayer's return is (A) filed electronically and the refund is directly deposited to the taxpayer's bank account or mailed to the taxpayer, and (B) mailed to the internal revenue service and the refund is directly deposited to the taxpayer's bank account or mailed to the taxpayer;(iv) That the internal revenue service does not guarantee that it will pay the full amount of the anticipated refund and it does not guarantee a specific date that a refund will be deposited into a taxpayer's financial institution account or mailed to a taxpayer;(v) That the borrower is responsible for repayment of the loan and related fees in the event that the tax refund is not paid or paid in full;(vi) The estimated time within which the loan proceeds will be paid to the borrower if the loan is approved;(vii) The fee that will be charged, if any, if the borrower's loan is not approved; and(viii) The borrower's right to rescind the refund anticipation loan transaction as provided in RCW 19.265.040.(2) The following additional information must be provided to the borrower of a refund anticipation loan before consummation of the loan transaction:(a) The estimated total fees for obtaining the refund anticipation loan; and(b) The estimated annual percentage rate for the borrower's refund anticipation loan, using the guidelines established under the federal truth in lending act (15 U.S.C. Sec. 1601 et seq.).[ 2005 c 471 § 4.]
WA Rev Code § 19.265.040 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.040 - Borrower may rescind loan—Manner.

RCW 19.265.040 Borrower may rescind loan—Manner.A borrower may rescind a loan, on or before the close of business on the next day of business, by either returning the original check issued for the loan or providing the amount of the loan in cash to the lender or the facilitator. The facilitator may not charge the borrower a fee for rescinding the loan or a refund anticipation loan fee if the loan is rescinded but may charge the borrower the administrative cost of establishing a bank account to electronically receive the refund.[ 2005 c 471 § 5.]
WA Rev Code § 19.265.050 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.050 - Facilitators—Unlawful activities.

RCW 19.265.050 Facilitators—Unlawful activities.It is unlawful for a facilitator of a refund anticipation loan to engage in any of the following activities:(1) Misrepresent a material factor or condition of a refund anticipation loan;(2) Fail to process the application for a refund anticipation loan promptly after the consumer applies for the loan;(3) Engage in any dishonest, fraudulent, unfair, unconscionable, or unethical practice or conduct in connection with a refund anticipation loan;(4) Arrange for a creditor to take a security interest in any property of the consumer other than the proceeds of the consumer's tax refund and the account into which that tax refund is deposited to secure payment of the loan; and(5) Offer a refund anticipation loan that, including any refund anticipation loan fee or any other fee related to the loan or tax preparation, exceeds the amount of the anticipated tax refund.[ 2005 c 471 § 6.]
WA Rev Code § 19.265.060 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.060 - Violation of chapter—Penalty.

RCW 19.265.060 Violation of chapter—Penalty.Any person who knowingly and willfully violates this chapter is guilty of a misdemeanor and shall be fined up to five hundred dollars for each offense.[ 2005 c 471 § 7.]
WA Rev Code § 19.265.070 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.070 - Finding—Application of chapter 19.86 RCW.

RCW 19.265.070 Finding—Application of chapter 19.86 RCW.The legislature finds that the practices covered by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. A violation of this chapter is not reasonable in relation to the development and preservation of business and is an unfair or deceptive act in trade or commerce and an unfair method of competition for the purpose of applying the consumer protection act, chapter 19.86 RCW.[ 2005 c 471 § 8.]
WA Rev Code § 19.265.900 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.265 - Tax Refund Anticipation Loans.|19.265.900 - Short title.

RCW 19.265.900 Short title.This chapter may be known and cited as the tax refund anticipation loan act.[ 2005 c 471 § 1.]
WA Rev Code § 19.270.040 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.270 - Computer Spyware.|19.270.040 - Unlawful activities—Installation or execution of software component—Deceptive misrepresentation.

RCW 19.270.040 Unlawful activities—Installation or execution of software component—Deceptive misrepresentation.It is unlawful for a person who is not an owner or operator to do any of the following with regard to the owner or operator's computer:(1) Induce an owner or operator to install a computer software component onto the computer by deceptively misrepresenting the extent to which installing the software is necessary for maintenance, update, or repair of the computer or computer software, for security or privacy reasons, for the proper operation of the computer, in order to open, view, or play a particular type of content; or(2) Induce an owner or operator to install a computer software component onto the computer by displaying a pop-up, web page, or other message that deceptively misrepresents the source of the message; or(3) Deceptively cause the execution on the computer of a computer software component that causes the owner or operator to use the component in a manner that violates any other provision of this section.[ 2008 c 66 § 3; 2005 c 500 § 4.]
WA Rev Code § 19.270.050 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.270 - Computer Spyware.|19.270.050 - Application and construction of RCW 19.270.020 (5) through (11) or 19.270.040.

RCW 19.270.050 Application and construction of RCW 19.270.020 (5) through (11) or 19.270.040.(1) Neither RCW 19.270.020 (5) through (11) nor 19.270.040 apply to any monitoring of, or interaction with, a subscriber's internet or other network connection or service, or a computer, by a telecommunications carrier, cable operator, computer hardware or software provider, or provider of information service or interactive computer service for network or computer security purposes, diagnostics, technical support, maintenance, repair, authorized updates of software or system firmware, authorized remote system management, or detection or prevention of the unauthorized use of or fraudulent or other illegal activities in connection with a network, service, or computer software, including scanning for and removing software under this chapter.(2) This section shall not be construed to provide a defense to liability under the common law or any other state or federal law, nor shall it be construed as an affirmative grant of authority to engage in any of the activities listed in this section.[ 2008 c 66 § 4; 2005 c 500 § 5.]
WA Rev Code § 19.270.060 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.270 - Computer Spyware.|19.270.060 - Who may bring an action—Damages—Attorneys' fees—Limit of damages.

RCW 19.270.060 Who may bring an action—Damages—Attorneys' fees—Limit of damages.(1) In addition to any other remedies provided by this chapter or any other provision of law, the attorney general, or a provider of computer software or owner of a website or trademark who is adversely affected by reason of a violation of this chapter, and whose action arises directly out of such person's status as a provider or owner, may bring an action against a person who violates this chapter to enjoin further violations and to recover either actual damages or one hundred thousand dollars per violation, whichever is greater.(2) In an action under subsection (1) of this section, a court may increase the damages up to three times the damages allowed under subsection (1) of this section if the defendant has engaged in a pattern and practice of violating this chapter. The court may also award costs and reasonable attorneys' fees to the prevailing party.(3) The amount of damages determined under subsection (1) or (2) of this section may not exceed two million dollars.[ 2008 c 66 § 5; 2005 c 500 § 6.]
WA Rev Code § 19.270.070 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.270 - Computer Spyware.|19.270.070 - Intent—Chapter preempts local laws.

RCW 19.270.070 Intent—Chapter preempts local laws.It is the intent of the legislature that this chapter is a matter of statewide concern. This chapter supersedes and preempts all rules, regulations, codes, ordinances, and other laws adopted by a city, county, city and county, municipality, or local agency regarding spyware and notices to consumers from computer software providers regarding information collection.[ 2005 c 500 § 7.]
WA Rev Code § 19.270.080 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.270 - Computer Spyware.|19.270.080 - Chapter 19.86 RCW not affected.

RCW 19.270.080 Chapter 19.86 RCW not affected.Chapter 500, Laws of 2005 does not add to, contract, alter, or amend any cause of action allowed under chapter 19.86 RCW and does not affect in any way the application of chapter 19.86 RCW to any future case or fact pattern.[ 2005 c 500 § 8.]
WA Rev Code § 19.275.010 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.275 - Antipyramid Promotional Scheme Act.|19.275.010 - Findings.

RCW 19.275.010 Findings.The legislature finds that pyramid schemes, chain letters, and related illegal schemes are enterprises:(1) That finance returns to participants through sums taken from newly attracted participants;(2) In which new participants are promised large returns for their investment or contribution; and(3) That involve unfair and deceptive sales tactics, including: Misrepresentations of sustainability, profitability and legality of the scheme, and false statements that the scheme is legal or approved by governmental agencies.[ 2006 c 65 § 1.]
WA Rev Code § 19.275.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.275 - Antipyramid Promotional Scheme Act.|19.275.020 - Definitions.

RCW 19.275.020 Definitions.The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Compensation" means payment, regardless of how it is characterized, of money, financial benefit, or thing of value. "Compensation" does not include payment based on the sale of goods or services to anyone who is purchasing the goods or services for actual use or consumption.(2) "Consideration" means the payment, regardless of how it is characterized, of cash or the purchase of goods, services, or intangible property. "Consideration" does not include:(a) The purchase of goods or services furnished at cost to be used in making sales and not for resale;(b) The purchase of goods or services subject to a bona fide repurchase agreement as defined in subsection (5) of this section; or(c) Time and effort spent in pursuit of sales or recruiting activities.(3) "Person" means natural persons, corporations, trusts, partnerships, incorporated or unincorporated associations, or any other legal entity.(4) "Pyramid schemes" means any plan or operation in which a person gives consideration for the right or opportunity to receive compensation that is derived primarily from the recruitment of other persons as participants in the plan or operation, rather than from the bona fide sale of goods, services, or intangible property to a person or by persons to others. (5)(a) "Repurchase agreement" means an enforceable agreement by the seller to repurchase, at the buyer's written request, all currently marketable inventory within one year from its date of purchase; and the refund must not be less than ninety percent of the original net cost, less any consideration received by the buyer when he or she bought the products being returned.(b) Products shall not be considered currently marketable if returned for repurchase after the products' commercially reasonable usable or shelf life has passed, or if it has been clearly disclosed to the buyer that the products are seasonal, discontinued, or special promotion products that are not subject to the repurchase obligation.[ 2006 c 65 § 2.]
WA Rev Code § 19.275.030 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.275 - Antipyramid Promotional Scheme Act.|19.275.030 - Pyramid scheme—Prohibition.

RCW 19.275.030 Pyramid scheme—Prohibition.(1) No person may establish, promote, operate, or participate in any pyramid scheme.(2) A limitation as to the number of persons who may participate, or the presence of additional conditions affecting eligibility for the opportunity to receive compensation under the scheme, does not change the identity of the scheme as a pyramid scheme.(3) It is not a defense under chapter 65, Laws of 2006 that a person, on giving consideration, obtains goods, services, or intangible property in addition to the right to receive compensation, nor is it a defense to designate the consideration a gift, donation offering, or other word of similar meaning.[ 2006 c 65 § 3.]
WA Rev Code § 19.275.040 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.275 - Antipyramid Promotional Scheme Act.|19.275.040 - Application of the consumer protection act.

RCW 19.275.040 Application of the consumer protection act.The legislature finds that the practices covered by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. A violation of this chapter is not reasonable in relation to the development and preservation of business and is an unfair or deceptive act in trade or commerce and an unfair method of competition for the purpose of applying the consumer protection act, chapter 19.86 RCW.[ 2006 c 65 § 4.]
WA Rev Code § 19.275.900 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.275 - Antipyramid Promotional Scheme Act.|19.275.900 - Short title—2006 c 65.

RCW 19.275.900 Short title—2006 c 65.This act may be cited as the "antipyramid promotional scheme act."[ 2006 c 65 § 5.]
WA Rev Code § 19.280.010 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.280 - Electric Utility Resource Plans.|19.280.010 - Intent—Finding.

RCW 19.280.010 Intent—Finding.It is the intent of the legislature to encourage the development of new safe, clean, and reliable energy resources to meet demand in Washington for affordable and reliable electricity. To achieve this end, the legislature finds it essential that electric utilities in Washington develop comprehensive resource plans that explain the mix of generation and demand-side resources they plan to use to meet their customers' electricity needs in both the short term and the long term. The legislature intends that information obtained from integrated resource planning under this chapter will be used to assist in identifying and developing: (1) New energy generation; (2) conservation and efficiency resources; (3) methods, commercially available technologies, and facilities for integrating renewable resources, including addressing any overgeneration event; and (4) related infrastructure to meet the state's electricity needs.[ 2013 c 149 § 1; 2006 c 195 § 1.]
WA Rev Code § 19.280.040 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.280 - Electric Utility Resource Plans.|19.280.040 - Investor-owned utilities submit integrated resource plans to the commission—Rules.

RCW 19.280.040 Investor-owned utilities submit integrated resource plans to the commission—Rules.(1) Investor-owned utilities shall submit integrated resource plans to the commission. The commission shall establish by rule the requirements for preparation and submission of integrated resource plans.(2) The commission may adopt additional rules as necessary to clarify the requirements of RCW 19.280.030 as they apply to investor-owned utilities.[ 2006 c 195 § 4.]
WA Rev Code § 19.280.050 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.280 - Electric Utility Resource Plans.|19.280.050 - Consumer-owned utilities.

RCW 19.280.050 Consumer-owned utilities.(1) The governing body of a consumer-owned utility that develops a plan under this chapter shall encourage participation of its consumers in development of the plans and progress reports and approve the plans and progress reports after it has provided public notice and hearing.(2) Each consumer-owned utility shall transmit a copy of its plan to the department by September 1, 2008, and transmit subsequent progress reports or plans to the department at least every two years thereafter. The department shall develop, in consultation with utilities, a common cover sheet that summarizes the essential data in their plans or progress reports.(3) Consumer-owned utilities may develop plans of a similar type jointly with other consumer-owned utilities. Data and assessments included in joint reports must be identifiable to each individual utility.(4) To minimize duplication of effort and maximize efficient use of utility resources, in developing their plans under RCW 19.280.030, consumer-owned utilities are encouraged to use resource planning concepts, techniques, and information provided to and by organizations such as the United States department of energy, the Northwest planning and conservation council, Pacific Northwest utility conference committee, and other state, regional, national, and international entities, and, for the 2008 plan, as appropriate, are encouraged to use and be consistent with relevant determinations required under Title XII - Electricity; Subtitle E, Sections 1251 - 1254 of the federal energy policy act of 2005.[ 2006 c 195 § 5.]
WA Rev Code § 19.280.060 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.280 - Electric Utility Resource Plans.|19.280.060 - Department's duties—Report to the legislature.

RCW 19.280.060 Department's duties—Report to the legislature.The department shall review the plans of consumer-owned utilities and investor-owned utilities, and data available from other state, regional, and national sources, and prepare an electronic report to the legislature aggregating the data and assessing the overall adequacy of Washington's electricity supply. The report shall include a statewide summary of utility load forecasts, load/resource balance, and utility plans for the development of thermal generation, renewable resources, conservation and efficiency resources, and an examination of assessment methods used by utilities to address overgeneration events. The commission shall provide the department with data summarizing the plans of investor-owned utilities for use in the department's statewide summary. The department shall submit any reports it receives of existing and potential combined heat and power facilities as reported by utilities to the Washington State University extension energy program for analysis. The department may submit its report within the biennial report required under RCW 43.21F.045.[ 2015 3rd sp.s. c 19 § 10; 2013 c 149 § 4; 2006 c 195 § 6.]NOTES:Finding—Intent—2015 3rd sp.s. c 19: See note following RCW 39.35.010.