reglab/housing_qa huggingface dataset:
WA Rev Code § 31.04.227 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.227 - Mortgage loan origination—Independent contractors.

RCW 31.04.227 Mortgage loan origination—Independent contractors.An independent contractor may not engage in residential mortgage loan origination activities as a loan processor unless the independent contractor obtains and maintains a license under this chapter. Each independent contractor *loan processor licensed as a mortgage loan originator must have and maintain a valid unique identifier issued by the nationwide mortgage licensing system **and registry.[ 2009 c 120 § 12.]NOTES:Reviser's note: *(1) The term "loan processor" was changed to "loan processor or underwriter" by 2013 c 29 § 1.**(2) The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.231 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.231 - Individual loan processor—Licensing exemptions.

RCW 31.04.231 Individual loan processor—Licensing exemptions.An individual engaging solely in *loan processor activities, who does not represent to the public, through advertising or other means of communicating or providing information including the use of business cards, stationery, brochures, signs, rate lists, or other promotional items, that such an individual can or will perform any of the activities of a mortgage loan originator is not required to obtain and maintain a mortgage loan originator license under this chapter.[ 2009 c 120 § 13.]NOTES:*Reviser's note: The term "loan processor" was changed to "loan processor or underwriter" by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.234 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.234 - Mortgage loan originator license—Application form and content.

RCW 31.04.234 Mortgage loan originator license—Application form and content.Applicants for a mortgage loan originator license shall apply on a form as prescribed by the director. Each form must contain content as set forth by rule, regulation, instruction, or procedure of the director and may be changed or updated as necessary by the director in order to carry out the purposes of this chapter, but must not be inconsistent with that required by the nationwide mortgage licensing system *and registry.[ 2009 c 120 § 14.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.237 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.237 - Use of nationwide mortgage licensing system and registry.

RCW 31.04.237 Use of nationwide mortgage licensing system and registry.In order to fulfill the purposes of chapter 120, 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 120 § 15.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.241 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.241 - Mortgage loan originator application—Required submission and use of personal information.

RCW 31.04.241 Mortgage loan originator application—Required submission and use of personal information.(1) As part of or in connection with an application for any license under this section, or periodically upon license renewal, the mortgage loan originator applicant shall furnish information concerning his or her identity, including fingerprints for submission to the Washington state patrol, the federal bureau of investigation, the nationwide mortgage licensing system *and registry, or any governmental agency or entity authorized to receive this information for a state and national criminal history background check; personal history; experience; business record; purposes; and other pertinent facts, as the director may reasonably require. As part of or in connection with an application for a license under this chapter, or periodically upon license renewal, the director is authorized to receive criminal history record information that includes nonconviction data as defined in RCW 10.97.030. The department may only disseminate nonconviction data obtained under this section to criminal justice agencies. This section does not apply to financial institutions regulated under chapters 31.12 and 31.13 RCW and Titles **30, 32, and 33 RCW.(2) As part of or in connection with an application for any license under this section, the mortgage loan originator applicant shall furnish information pertaining to personal history and experience in a form prescribed by the nationwide mortgage licensing system *and registry, including (a) the submission of authorization for the nationwide mortgage licensing system *and registry and the director to obtain an independent credit report obtained from a consumer reporting agency described in section 603(p) of the federal fair credit reporting act, and (b) information related to any administrative, civil, or criminal findings by any governmental jurisdiction.(3) In order to reduce the points of contact which the federal bureau of investigation may have to maintain, the director may use the nationwide mortgage licensing system *and registry as a channeling agent for requesting information from and distributing information to the department of justice or any governmental agency.(4) In order to reduce the points of contact which the director may have to maintain, the director may use the nationwide mortgage licensing system *and registry as a channeling agent for requesting and distributing information to and from any source so directed by the director.[ 2009 c 120 § 16.]NOTES:Reviser's note: *(1) The term "and registry" was removed by 2013 c 29 § 1.**(2) Title 30 RCW was recodified and/or repealed pursuant to 2014 c 37, effective January 5, 2015.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.244 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.244 - Mortgage loan originator application—Required information—Fees.

RCW 31.04.244 Mortgage loan originator application—Required information—Fees.(1) The application for a mortgage loan originator license must contain at least the following information:(a) The name, address, date of birth, and social security number of the mortgage loan originator applicant, and any other names, dates of birth, or social security numbers previously used by the mortgage loan originator applicant, unless waived by the director; and(b) Other information regarding the mortgage loan originator applicant's background, experience, character, and general fitness as the director may require by rule, or as deemed necessary by the nationwide mortgage licensing system *and registry.(2) At the time of filing an application for a license or a license renewal under this chapter, each mortgage loan originator applicant shall pay to the director through the nationwide mortgage licensing system *and registry the application or renewal fee of up to one hundred fifty dollars. The director shall deposit the moneys in the financial services regulation fund.[ 2009 c 120 § 17.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.251 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.251 - Mortgage loan originator license—Renewal—Surrender—Rules.

RCW 31.04.251 Mortgage loan originator license—Renewal—Surrender—Rules.(1) A mortgage loan originator license issued under this section expires annually. The director shall establish rules regarding the mortgage loan originator license renewal process created under this chapter. At a minimum a mortgage loan originator may not renew a license under this chapter unless the mortgage loan originator continues to meet the minimum standards for a license, and has satisfied the annual continuing education requirements.(2) A mortgage loan originator licensee may surrender a license by delivering to the director through the nationwide mortgage licensing system *and registry written notice of surrender, but the surrender does not affect the mortgage loan originator licensee's civil or criminal liability or any administrative actions arising from acts or omissions occurring before such a surrender.[ 2009 c 120 § 19.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.254 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.254 - Mortgage loan originator licensing process—Rules—Interim procedures.

RCW 31.04.254 Mortgage loan originator licensing process—Rules—Interim procedures.For the purposes of implementing an orderly and efficient mortgage loan originator licensing process, the director may establish licensing rules and interim procedures for licensing and acceptance of applications. For previously registered or licensed individuals the director may establish expedited review and licensing procedures.[ 2009 c 120 § 20.]NOTES:Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.257 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.257 - Mortgage loan originator interim license.

RCW 31.04.257 Mortgage loan originator interim license.To prevent undue delay in the issuance of a mortgage loan originator license and to facilitate the business of a mortgage loan originator, an interim license with a fixed date of expiration may be issued when the director determines that the mortgage loan originator has substantially fulfilled the requirements for mortgage loan originator licensing. The director may adopt rules describing the information required before an interim license can be granted.[ 2009 c 120 § 21.]NOTES:Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.261 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.261 - Mortgage loan originator—Prelicensing education requirements.

RCW 31.04.261 Mortgage loan originator—Prelicensing education requirements.(1) Each mortgage loan originator applicant shall complete at least twenty hours of prelicensing education approved by the nationwide mortgage licensing system *and registry. The prelicensing education shall include at least three hours of federal law and regulations; three hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues; two hours of training related to lending standards for the nontraditional mortgage product marketplace; and at least two hours of training specifically related to Washington law.(2) A mortgage loan originator applicant having successfully completed the prelicensing education requirements approved by the nationwide mortgage licensing system *and registry for any state shall be accepted as credit towards completion of prelicensing education requirements in this state.(3) This chapter does not preclude any prelicensing education course, as approved by the nationwide mortgage licensing system *and registry, that is provided by the employer of the mortgage loan originator applicant or an entity which is affiliated with the applicant by an agency contract, or any subsidiary or affiliate of such an employer or entity. Prelicensing 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 120 § 22.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.264 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.264 - Mortgage loan originator—Testing requirements.

RCW 31.04.264 Mortgage loan originator—Testing requirements.(1) To obtain a mortgage loan originator license, an individual must pass a test developed by the nationwide mortgage licensing system *and registry and administered by a test provider approved by the nationwide mortgage licensing system *and registry based upon reasonable standards.(2) An individual is not considered to have passed a test unless the individual achieves a test score of not less than seventy-five percent correct answers to questions.(a) An individual may retake a test three consecutive times with each consecutive taking occurring at least thirty days after the preceding test.(b) After failing three consecutive tests, an individual must wait at least six months before taking the test again.(c) A licensed mortgage loan originator who fails to maintain a valid license for a period of five years or longer must retake the test, not taking into account any time during which that individual is a registered mortgage loan originator.(3) This section does not prohibit a test provider approved by the nationwide mortgage licensing system *and registry from providing a test at the location of the employer of the mortgage loan originator applicant or any subsidiary or affiliate of the employer of the applicant, or any entity with which the applicant holds an exclusive arrangement to conduct the business of a mortgage loan originator.[ 2009 c 120 § 23.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.267 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.267 - Mortgage loan originator—Continuing education requirements.

RCW 31.04.267 Mortgage loan originator—Continuing education requirements.(1) A licensed mortgage loan originator must complete a minimum of eight hours of continuing education 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 120 § 24.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.271 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.271 - Mortgage loan originators—System information may be challenged.

RCW 31.04.271 Mortgage loan originators—System information may be challenged.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 120 § 25.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.274 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.274 - Information provided to nationwide mortgage licensing system and registry—Confidentiality—Restrictions on sharing.

RCW 31.04.274 Information provided to nationwide mortgage licensing system and registry—Confidentiality—Restrictions on sharing.(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 120 § 26.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.277 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.277 - Consumer loan companies—When reports of condition are required.

RCW 31.04.277 Consumer loan companies—When reports of condition are required.Each consumer loan company licensee must submit call reports through the nationwide mortgage licensing system in a form and containing the information prescribed by the director or as deemed necessary by the nationwide mortgage licensing system.The director's obligations or duties under chapter 62, Laws of 2018 are subject to section 21, chapter 62, Laws of 2018.[ 2018 c 62 § 17; 2015 c 229 § 34; 2010 c 35 § 8; 2009 c 120 § 27.]NOTES:Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.281 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.281 - Reports of violation—2009 c 120.

RCW 31.04.281 Reports of violation—2009 c 120.The director is authorized to regularly report violations of chapter 120, Laws of 2009, as well as enforcement actions and other relevant information, to the nationwide mortgage licensing system *and registry.[ 2009 c 120 § 28.]NOTES:*Reviser's note: The term "and registry" was removed by 2013 c 29 § 1.Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.284 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.284 - Mortgage loan originator—Unique identifier—Display.

RCW 31.04.284 Mortgage loan originator—Unique identifier—Display.The unique identifier of any mortgage loan originator must be clearly shown on all residential mortgage loan application forms, solicitations, or advertisements, including business cards or websites, and any other documents as established by rule, regulation, or order of the director. This section does not apply to consumer loan company licensees.[ 2009 c 120 § 29.]NOTES:Findings—Declaration—2009 c 120: See note following RCW 31.04.015.
WA Rev Code § 31.04.293 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.04 - Consumer Loan Act.|31.04.293 - Residential mortgage loan modification services—Written disclosure summary—Limitation on fees—Rules.

RCW 31.04.293 Residential mortgage loan modification services—Written disclosure summary—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.(2) A written disclosure summary of all material terms of the services to be provided must be provided to the borrower.(3) The department shall adopt by rule a model written disclosure summary, 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.[ 2013 c 29 § 11; 2010 c 35 § 10.]