reglab/housing_qa huggingface dataset:
WA Rev Code § 62A.3-522 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-522 - Notice of dishonor—Affidavit of service by mail.

RCW 62A.3-522 Notice of dishonor—Affidavit of service by mail.In addition to sending a notice of dishonor to the drawer of the check under RCW 62A.3-520, the person sending notice shall execute an affidavit certifying service of the notice by mail. The affidavit of service by mail must be attached to a copy of the notice of dishonor and must be substantially in the following form:AFFIDAVIT OF SERVICE BY MAILI, . . . . . ., hereby certify that on the . . . . . . day of . . . . . ., 20. . ., a copy of the foregoing Notice was served on . . . . . . by mailing via the United States Postal Service, postage prepaid, at . . . . . ., Washington.Dated:. . . . . . . . . . . . . . . .(Signature)The person enforcing the check shall retain the affidavit with the check but shall file a copy of the affidavit with the clerk of the court in which an action on the check is commenced.[ 2000 c 215 § 2; 1993 c 229 § 69; 1981 c 254 § 3.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.3-525 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-525 - Consequences for failing to comply with requirements.

RCW 62A.3-525 Consequences for failing to comply with requirements.No interest, collection costs, and attorneys' fees, except handling fees, are recoverable on any dishonored check under the provisions of RCW 62A.3-515 where a person entitled to such recovery or any agent, employee, or assign has demanded:(1) Interest or collection costs in excess of that provided by RCW 62A.3-515; or(2) Interest or collection costs prior to the expiration of fifteen days after the mailing of notice of dishonor, as provided by RCW 62A.3-515 and 62A.3-520; or(3) Attorneys' fees either without having the fees set by the court, or prior to the expiration of fifteen days after the mailing of notice of dishonor, as provided by RCW 62A.3-515 and 62A.3-520.[ 2000 c 215 § 3; 1993 c 229 § 70; 1981 c 254 § 4; 1969 c 62 § 3.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.3-530 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-530 - Collection agencies—Checks dishonored by nonacceptance or nonpayment; liability for interest; rate; collection costs and attorneys' fees; satisfaction of claim.

RCW 62A.3-530 Collection agencies—Checks dishonored by nonacceptance or nonpayment; liability for interest; rate; collection costs and attorneys' fees; satisfaction of claim.(1) If a check as defined in RCW 62A.3-104 is dishonored by nonacceptance or nonpayment and the check is assigned or written to a collection agency as defined in RCW 19.16.100, the collection agency may collect a reasonable handling fee for each instrument. If the collection agency or its agent provides a notice of dishonor in the form provided in RCW 62A.3-540 to the drawer and the check amount plus the reasonable handling fee are not paid within thirty-three days after providing the notice of dishonor, then, unless the instrument otherwise provides, the drawer of the instrument is liable for payment of interest at the rate of twelve percent per annum from the date of dishonor, and a cost of collection of forty dollars or the face amount of the check, whichever is less, payable to the collection agency. In addition, in the event of court action on the check and after notice and the expiration of the thirty-three days, the court shall award reasonable attorneys' fees, and three times the face amount of the check or three hundred dollars, whichever is less, as part of the damages payable to the collection agency. This section does not apply to an instrument that is dishonored by reason of a justifiable stop payment order.(2) Subsequent to the commencement of an action on the check under subsection (1) of this section but prior to the hearing, the defendant may tender to the plaintiff as satisfaction of the claim, an amount of money equal to the face amount of the check, a reasonable handling fee, accrued interest, collection costs equal to the face amount of the check not to exceed forty dollars, and the incurred court costs, service costs, and statutory attorneys' fees.(3) Nothing in this section precludes the right to commence action in a court under chapter 12.40 RCW for small claims.[ 2005 c 277 § 3.]NOTES:Intent—2005 c 277: "The legislature has directed the financial literacy public-private partnership to complete certain tasks to support efforts to increase the level of financial literacy in the common schools. In order to promote a greater understanding by students of the consequences of a dishonored check, the legislature intends to extend by one year the date by which the financial literacy public-private partnership must identify strategies to increase the financial literacy of public school students in Washington." [ 2005 c 277 § 1.]
WA Rev Code § 62A.3-550 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-550 - Collection agencies—Consequences for failing to comply with requirements.

RCW 62A.3-550 Collection agencies—Consequences for failing to comply with requirements.No interest, collection costs, and attorneys' fees, except handling fees, are recoverable on any dishonored check under the provisions of RCW 62A.3-530 where a collection agency or its agent, employee, or assign has demanded:(1) Interest or collection costs in excess of that provided by RCW 62A.3-530; or(2) Interest or collection costs prior to the expiration of thirty-three days after the serving or mailing of the notice of dishonor, as provided by RCW 62A.3-530 or 62A.3-540; or(3) Attorneys' fees other than statutory attorneys' fees without having the fees set by the court, or any attorneys' fees prior to thirty-three days after the serving or mailing of the notice of dishonor, as provided by RCW 62A.3-530 or 62A.3-540.[ 2005 c 277 § 5.]NOTES:Intent—2005 c 277: See note following RCW 62A.3-530.
WA Rev Code § 62A.3-601 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-601 - Discharge and effect of discharge.

RCW 62A.3-601 Discharge and effect of discharge.(a) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.(b) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.[ 1993 c 229 § 71; 1965 ex.s. c 157 § 3-601. Cf. former RCW sections: RCW 62.01.119 through 62.01.121; 1955 c 35 §§ 62.01.119 through 62.01.121; prior: 1899 c 149 §§ 119 through 121; RRS §§ 3509 through 3511.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.3-602 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-602 - Payment.

RCW 62A.3-602 Payment.(a) Subject to subsection (b), an instrument is paid to the extent payment is made (i) by or on behalf of a party obliged to pay the instrument, and (ii) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under RCW 62A.3-306 by another person.(b) The obligation of a party to pay the instrument is not discharged under subsection (a) if:(1) A claim to the instrument under RCW 62A.3-306 is enforceable against the party receiving payment and (i) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or (ii) in the case of an instrument other than a cashier's check, teller's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or(2) The person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.[ 1993 c 229 § 72; 1965 ex.s. c 157 § 3-602. Cf. former RCW 62.01.122; 1955 c 35 § 62.01.122; prior: 1899 c 149 § 122; RRS § 3512.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.3-603 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-603 - Tender of payment.

RCW 62A.3-603 Tender of payment.(a) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.(b) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.(c) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.[ 1993 c 229 § 73; 1965 ex.s. c 157 § 3-603. Cf. former RCW sections: (i) RCW 62.01.051, 62.01.088, 62.01.119, and 62.01.121; 1955 c 35 §§ 62.01.051, 62.01.088, 62.01.119, and 62.01.121; prior: 1899 c 149 §§ 51, 88, 119, and 121; RRS §§ 3442, 3478, 3509, and 3511. (ii) RCW 62.01.171 through 62.01.177; 1955 c 35 §§ 62.01.171 through 62.01.177; prior: 1899 c 149 §§ 171 through 177; RRS §§ 3561 through 3567. (iii) Subd. (3) cf. former RCW 30.20.090; 1961 c 280 § 4.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.3-604 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.3 - Negotiable Instruments.|62A.3-604 - Discharge by cancellation or renunciation.

RCW 62A.3-604 Discharge by cancellation or renunciation.(a) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument (i) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party's signature, or the addition of words to the instrument indicating discharge, or (ii) by agreeing not to sue or otherwise renouncing rights against the party by a signed writing.(b) Cancellation or striking out of an indorsement pursuant to subsection (a) does not affect the status and rights of a party derived from the indorsement.[ 1993 c 229 § 74; 1965 ex.s. c 157 § 3-604. Cf. former RCW sections: (i) RCW 62.01.070; 1955 c 35 § 62.01.070; prior: 1899 c 149 § 70; RRS § 3461. (ii) RCW 62.01.120; 1955 c 35 § 62.01.120; prior: 1899 c 149 § 120; RRS § 3510.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-101 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-101 - Short title.

RCW 62A.4-101 Short title.This Article may be cited as Uniform Commercial Code—Bank Deposits and Collections.[ 1993 c 229 § 77; 1965 ex.s. c 157 § 4-101.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-102 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-102 - Applicability.

RCW 62A.4-102 Applicability.(a) To the extent that items within this Article are also within Articles 3 and 8, they are subject to those Articles. If there is conflict, this Article governs Article 3, but Article 8 governs this Article.(b) The liability of a bank for action or non-action with respect to an item handled by it for purposes of presentment, payment, or collection is governed by the law of the place where the bank is located. In the case of action or non-action by or at a branch or separate office of a bank, its liability is governed by the law of the place where the branch or separate office is located.[ 1993 c 229 § 78; 1965 ex.s. c 157 § 4-102.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-103 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-103 - Variation by agreement; measure of damages; action constituting ordinary care.

RCW 62A.4-103 Variation by agreement; measure of damages; action constituting ordinary care.(a) The effect of the provisions of this Article may be varied by agreement, but the parties to the agreement cannot disclaim a bank's responsibility for its lack of good faith or failure to exercise ordinary care or limit the measure of damages for the lack or failure. However, the parties may determine by agreement the standards by which the bank's responsibility is to be measured if those standards are not manifestly unreasonable.(b) Federal Reserve regulations and operating circulars, clearing-house rules, and the like have the effect of agreements under subsection (a), whether or not specifically assented to by all parties interested in items handled.(c) Action or non-action approved by this Article or pursuant to Federal Reserve regulations or operating circulars is the exercise of ordinary care and, in the absence of special instructions, action or non-action consistent with clearing-house rules and the like or with a general banking usage not disapproved by this Article, is prima facie the exercise of ordinary care.(d) The specification or approval of certain procedures by this Article is not disapproval of other procedures that may be reasonable under the circumstances.(e) The measure of damages for failure to exercise ordinary care in handling an item is the amount of the item reduced by an amount that could not have been realized by the exercise of ordinary care. If there is also bad faith it includes any other damages the party suffered as a proximate consequence.[ 1993 c 229 § 79; 1965 ex.s. c 157 § 4-103. Cf. former RCW sections: (i) RCW 30.52.050; 1955 c 33 § 30.52.050; prior: 1931 c 10 § 1; 1929 c 203 § 5; RRS § 3292-5. (ii) RCW 30.52.060; 1955 c 33 § 30.52.060; prior: 1929 c 203 § 6; RRS § 3292-6.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-105 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-105 - "Bank"; "depositary bank"; "payor bank"; "intermediary bank"; "collecting bank"; "presenting bank".

RCW 62A.4-105 "Bank"; "depositary bank"; "payor bank"; "intermediary bank"; "collecting bank"; "presenting bank".In this Article:(1) "Bank" means a person engaged in the business of banking, including a savings bank, savings and loan association, credit union, or trust company;(2) "Depositary bank" means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter;(3) "Payor bank" means a bank that is the drawee of a draft;(4) "Intermediary bank" means a bank to which an item is transferred in course of collection except the depositary or payor bank;(5) "Collecting bank" means a bank handling the item for collection except the payor bank;(6) "Presenting bank" means a bank presenting an item except a payor bank.[ 1993 c 229 § 81; 1965 ex.s. c 157 § 4-105. Cf. former RCW 30.52.010; 1955 c 33 § 30.52.010; prior: 1929 c 203 § 1.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-106 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-106 - Payable through or payable at bank; collecting bank.

RCW 62A.4-106 Payable through or payable at bank; collecting bank.(a) If an item states that it is "payable through" a bank identified in the item, (i) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank.(b) If an item states that it is "payable at" a bank identified in the item, (i) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank.(c) If a draft names a nonbank drawee and it is unclear whether a bank named in the draft is a codrawee or a collecting bank, the bank is a collecting bank.[ 1993 c 229 § 82; 1965 ex.s. c 157 § 4-106. Cf. former RCW sections: (i) RCW 30.52.010; 1955 c 33 § 30.52.010; prior: 1929 c 203 § 1; RRS § 3292-1. (ii) RCW 30.40.030 through 30.40.050; 1955 c 33 §§ 30.40.030 through 30.40.050; prior: 1939 c 59 §§ 1 through 3; RRS §§ 3252-6 through 3252-8.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-107 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-107 - Separate office of a bank.

RCW 62A.4-107 Separate office of a bank.A branch or separate office of a bank is a separate bank for the purpose of computing the time within which and determining the place at or to which action may be taken or notices or orders must be given under this Article and under Article 3.[ 1993 c 229 § 83; 1965 ex.s. c 157 § 4-107.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-108 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-108 - Time of receipt of items.

RCW 62A.4-108 Time of receipt of items.(a) For the purpose of allowing time to process items, prove balances, and make the necessary entries on its books to determine its position for the day, a bank may fix an afternoon hour of two P.M. or later as a cut-off hour for the handling of money and items and the making of entries on its books.(b) An item or deposit of money received on any day after a cut-off hour so fixed or after the close of the banking day may be treated as being received at the opening of the next banking day.[ 1993 c 229 § 84; 1965 ex.s. c 157 § 4-108.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-109 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-109 - Delays.

RCW 62A.4-109 Delays.(a) Unless otherwise instructed, a collecting bank in a good faith effort to secure payment of a specific item drawn on a payor other than a bank, and with or without the approval of any person involved, may waive, modify, or extend time limits imposed or permitted by this Title for a period not exceeding two additional banking days without discharge of drawers or indorsers or liability to its transferor or a prior party.(b) Delay by a collecting bank or payor bank beyond time limits prescribed or permitted by this Title or by instructions is excused if (i) the delay is caused by interruption of communication or computer facilities, suspension of payments by another bank, war, emergency conditions, failure of equipment, or other circumstances beyond the control of the bank, and (ii) the bank exercises such diligence as the circumstances require.[ 1993 c 229 § 85; 1965 ex.s. c 157 § 4-109.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-110 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-110 - Electronic presentment.

RCW 62A.4-110 Electronic presentment.(a) "Agreement for electronic presentment" means an agreement, clearing-house rule, or Federal Reserve regulation or operating circular, providing that presentment of an item may be made by transmission of an image of an item or information describing the item ("presentment notice") rather than delivery of the item itself. The agreement may provide for procedures governing retention, presentment, payment, dishonor, and other matters concerning items subject to the agreement.(b) Presentment of an item pursuant to an agreement for presentment is made when the presentment notice is received.(c) If presentment is made by presentment notice, a reference to "item" or "check" in this Article means the presentment notice unless the context otherwise indicates.[ 1993 c 229 § 86.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-111 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-111 - Statute of limitations.

RCW 62A.4-111 Statute of limitations.An action to enforce an obligation, duty, or right arising under this Article must be commenced within three years after the cause of action accrues.[ 1993 c 229 § 87.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.
WA Rev Code § 62A.4-201 (2021)
2021 Revised Code of Washington|Title 62A - Uniform Commercial Code|Chapter 62A.4 - Bank Deposits and Collections.|62A.4-201 - Status of collecting bank as agent and provisional status of credits; applicability of article; item indorsed "pay any bank".

RCW 62A.4-201 Status of collecting bank as agent and provisional status of credits; applicability of article; item indorsed "pay any bank".(a) Unless a contrary intent clearly appears and before the time that a settlement given by a collecting bank for an item is or becomes final, the bank, with respect to the item, is an agent or sub-agent of the owner of the item and any settlement given for the item is provisional. This provision applies regardless of the form of indorsement or lack of indorsement and even though credit given for the item is subject to immediate withdrawal as of right or is in fact withdrawn; but the continuance of ownership of an item by its owner and any rights of the owner to proceeds of the item are subject to rights of a collecting bank such as those resulting from outstanding advances on the item and rights of recoupment or setoff. If an item is handled by banks for purposes of presentment, payment, collection, or return, the relevant provisions of this Article apply even though action of the parties clearly establishes that a particular bank has purchased the item and is the owner of it.(b) After an item has been indorsed with the words "pay any bank" or the like, only a bank may acquire the rights of a holder until the item has been:(1) Returned to the customer initiating collection; or(2) Specially indorsed by a bank to a person who is not a bank.[ 1993 c 229 § 88; 1965 ex.s. c 157 § 4-201. Cf. former RCW sections: (i) RCW 30.52.020; 1955 c 33 § 30.52.020; prior: 1929 c 203 § 2; RRS § 3292-2. (ii) RCW 30.52.040; 1955 c 33 § 30.52.040; prior: 1931 c 10 § 1; 1929 c 203 § 4; RRS § 3292-4.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.