reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.090 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Delinquency or collection charges—Attorney's fees, court costs—Other provisions not inconsistent with chapter are permissible.

RCW 63.14.090
Retail installment contracts, retail charge agreements, and lender credit card agreements—Delinquency or collection charges—Attorney's fees, court costs—Other provisions not inconsistent with chapter are permissible.
(1) The holder of any retail installment contract, retail charge agreement, or lender credit card agreement may not collect any delinquency or collection charges, including any attorney's fee and court costs and disbursements, unless the contract, charge agreement, or lender credit card agreement so provides. In such cases, the charges shall be reasonable, and no attorney's fee may be recovered unless the contract, charge agreement, or lender credit card agreement is referred for collection to an attorney not a salaried employee of the holder.
(2) The contract, charge agreement, or lender credit card agreement may contain other provisions not inconsistent with the purposes of this chapter, including but not limited to provisions relating to refinancing, transfer of the buyer's equity, construction permits, and title reports.
(3) Notwithstanding subsection (1) of this section, where the minimum payment is received within the ten days following the payment due date, delinquency charges for the late payment of a retail charge agreement or lender credit card agreement may not be more than ten percent of the average balance of the delinquent account for the prior thirty-day period when the average balance of the account for the prior thirty-day period is less than one hundred dollars, except that a minimum charge of up to two dollars shall be allowed. This subsection (3) shall not apply in cases where the payment on the account is more than thirty days overdue.
[ 1993 c 481 § 1; 1984 c 280 § 2; 1963 c 236 § 9.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.100 - Receipt for cash payment—Retail installment contracts, statement of payment schedule and total amount unpaid.

RCW 63.14.100
Receipt for cash payment—Retail installment contracts, statement of payment schedule and total amount unpaid.
A buyer shall be given a written receipt for any payment when made in cash. Upon written request of the buyer, the holder of a retail installment contract shall give or forward to the buyer a written statement of the dates and amounts of payments and the total amount unpaid under the contract. Such a statement shall be given the buyer once without charge; if any additional statement is requested by the buyer, it shall be supplied by the holder at a charge not in excess of one dollar for each additional statement so supplied.
[ 1963 c 236 § 10.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.123 - Restrictions on electronically printed credit and debit card receipts.

RCW 63.14.123
Restrictions on electronically printed credit and debit card receipts.
(1) A retailer shall not print more than the last five digits of the card account number or print the card expiration date on a credit or debit card receipt. This includes all receipts kept by the person or provided to the cardholder.
(2) This section shall apply only to receipts that are electronically printed and shall not apply to transactions in which the:
(a) Sole means of recording the card number is by handwriting or by an imprint or copy of the credit or debit card; or
(b) Retailer processes the transaction electronically but also takes additional manual measures for the purpose of ensuring that the card is not being used fraudulently, including measures the retailer is contractually obligated to take in connection with its acceptance of credit or debit cards.
(3) For the purposes of this section:
(a) "Credit card" means a card or device existing for the purpose of obtaining money, property, labor, or services on credit.
(b) "Debit card" means a card or device used to obtain money, property, labor, or services by a transaction that debits a cardholder's account, rather than extending credit.
[ 2009 c 382 § 2; 2000 c 163 § 2.]
NOTES:
Effective date—2000 c 163: See RCW 19.200.901.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.125 - Lender credit card agreements—Security interests prohibited.

RCW 63.14.125
Lender credit card agreements—Security interests prohibited.
A lender credit card agreement may not contain any provision for a security interest in real or personal property or fixtures of the buyer to secure payment of performance of the buyer's obligation under the lender credit card agreement.
[ 1984 c 280 § 4.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.127 - Retail installment contracts—Dog or cat as security interest.

RCW 63.14.127
Retail installment contracts—Dog or cat as security interest.
A retail installment contract entered into on or after July 28, 2019, that includes a live dog or cat as a security interest for the contract is void and unenforceable.
[ 2019 c 340 § 2.]
NOTES:
Construction—Additional remedies—Dog or cat ownership contracts—2019 c 340: See notes following RCW 63.10.070.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.130 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Service charge agreed to by contract—Other fees and charges prohibited.

RCW 63.14.130
Retail installment contracts, retail charge agreements, and lender credit card agreements—Service charge agreed to by contract—Other fees and charges prohibited.
The service charge shall be inclusive of all charges incident to investigating and making the retail installment contract or charge agreement and for the privilege of making the installment payments thereunder and no other fee, expense or charge whatsoever shall be taken, received, reserved, or contracted therefor from the buyer, except for any vehicle dealer administrative fee under RCW 46.68.440(1) or for any vehicle dealer documentary service fee under RCW 46.70.180(2).
(1) The service charge, in a retail installment contract, shall not exceed the dollar amount or rate agreed to by contract and disclosed under RCW 63.14.040(1)(h).
(2) The service charge in a retail charge agreement, revolving charge agreement, lender credit card agreement, or charge agreement, shall not exceed the schedule or rate agreed to by contract and disclosed under RCW 63.14.120(1). If the service charge so computed is less than one dollar for any month, then one dollar may be charged.
[ 2010 c 161 § 1153; 2003 c 368 § 3; 1999 c 113 § 4; 1997 c 331 § 7; 1992 c 193 § 1. Prior: 1989 c 112 § 1; 1989 c 14 § 5; 1987 c 318 § 1; 1984 c 280 § 5; 1981 c 77 § 5; 1969 c 2 § 3 (Initiative Measure No. 245, approved November 5, 1968); 1967 c 234 § 8; 1963 c 236 § 13.]
NOTES:
Effective date—Intent—Legislation to reconcile chapter 161, Laws of 2010 and other amendments made during the 2010 legislative session—2010 c 161: See notes following RCW 46.04.013.
Effective date—1997 c 331: See note following RCW 70.168.135.
Effective date—1987 c 318: "This act shall take effect January 1, 1988." [ 1987 c 318 § 2.]
Application, saving—1981 c 77: See RCW 63.14.903.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.136 - Retail installment transaction—Unconscionable—Judicial action.

RCW 63.14.136
Retail installment transaction—Unconscionable—Judicial action.
(1) With respect to a retail installment transaction, as defined in *RCW 63.14.010(8), if the court as a matter of law finds the agreement or contract, or any clause in the agreement or contract, to have been unconscionable at the time it was made, the court may refuse to enforce the agreement or contract, may enforce the remainder of the agreement or contract, or may limit the application of any unconscionable clause to avoid an unconscionable result.
(2) If it is claimed or it appears to the court that the agreement or contract, or any clause in the agreement or contract, may be unconscionable, the parties shall be given a reasonable opportunity to present evidence as to its setting, purpose, and effect to assist the court in making a determination regarding unconscionability.
(3) For the purpose of this section, a charge or practice expressly permitted by this chapter is not in itself unconscionable.
[ 1995 c 249 § 4.]
NOTES:
*Reviser's note: RCW 63.14.010 was alphabetized pursuant to RCW 1.08.015(2)(k), changing subsection (8) to subsection (12).
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.140 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Insurance.

RCW 63.14.140
Retail installment contracts, retail charge agreements, and lender credit card agreements—Insurance.
If the cost of any insurance is included in the retail installment contract, retail charge agreement, or lender credit card agreement:
(1) The contract or agreement shall state the nature, purpose, term, and amount of such insurance, and in connection with the sale of a motor vehicle, the contract shall state that the insurance coverage ordered under the terms of this contract does not include "bodily injury liability," "public liability," and "property damage liability" coverage, where such coverage is in fact not included;
(2) The contract or agreement shall state whether the insurance is to be procured by the buyer or the seller;
(3) The amount, included for such insurance, shall not exceed the premiums chargeable in accordance with the rate fixed for such insurance by the insurer, except where the amount is less than one dollar;
(4) If the insurance is to be procured by the seller or holder, he or she shall, within forty-five days after delivery of the goods or furnishing of the services under the contract, deliver, mail, or cause to be mailed to the buyer, at his or her address as specified in the contract, a notice thereof or a copy of the policy or policies of insurance or a certificate or certificates of the insurance so procured.
[ 2012 c 117 § 171; 1984 c 280 § 6; 1963 c 236 § 14.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.145 - Retail installment contracts and charge agreements—Sale, transfer, or assignment.

RCW 63.14.145
Retail installment contracts and charge agreements—Sale, transfer, or assignment.
(1) A retail seller may sell, transfer, or assign a retail installment contract or charge agreement. After such sale, transfer, or assignment, the retail installment contract or charge agreement remains a retail installment contract or charge agreement.
(2) Nothing contained in this chapter shall be deemed to limit any charge made by an assignee of a retail installment contract or charge agreement to the seller-assignor upon the sale, transfer, assignment, or discount of the contract or agreement, notwithstanding retention by the assignee of recourse rights against the seller-assignor and notwithstanding duties retained by the seller-assignor to service delinquencies, perform service or warranty agreements regarding the property which is the subject matter of the assigned or discounted contracts or charge agreements, or to do or perform any other duty with respect to the contract or agreement assigned or the subject matter of such contract or agreement.
[ 1993 sp.s. c 5 § 2.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.150 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Agreements by buyer not to assert claim or defense or to submit to suit in another county invalid.

RCW 63.14.150
Retail installment contracts, retail charge agreements, and lender credit card agreements—Agreements by buyer not to assert claim or defense or to submit to suit in another county invalid.
No provision of a retail installment contract, retail charge agreement, or lender credit card agreement is valid by which the buyer agrees not to assert against the seller or against an assignee a claim or defense arising out of the sale, or by which the buyer agrees to submit to suit in a county other than the county where the buyer signed the contract or where the buyer resides or has his or her principal place of business.
[ 2012 c 117 § 172; 1984 c 280 § 7; 1967 c 234 § 9; 1963 c 236 § 15.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.151 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Compliance with disclosure requirements of federal consumer protection act deemed compliance with chapter 63.14 RCW.

RCW 63.14.151
Retail installment contracts, retail charge agreements, and lender credit card agreements—Compliance with disclosure requirements of federal consumer protection act deemed compliance with chapter 63.14 RCW.
Any retail installment contract, retail charge agreement, or lender credit card agreement that complies with the disclosure requirements of Title I of the federal consumer protection act (82 Stat. 146, 15 U.S.C. 1601) which is also known as the truth in lending act, as of the date upon which said retail installment contract, revolving charge agreement, or lender credit card agreement is executed, shall be deemed to comply with the disclosure provisions of chapter 63.14 RCW.
[ 1984 c 280 § 8; 1981 c 77 § 9.]
NOTES:
Application, saving—1981 c 77: See RCW 63.14.903.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.152 - Declaratory judgment action to establish if service charge is excessive.

RCW 63.14.152
Declaratory judgment action to establish if service charge is excessive.
The seller, holder, or buyer may bring an action for declaratory judgment to establish whether service charges contracted for or received in connection with a retail installment transaction are in excess of those allowed by chapter 234, Laws of 1967. Such an action shall be brought against the current holder or against the buyer or his or her successor in interest or, if the entire principal balance has been fully paid, by the buyer or his or her successor in interest against the holder to whom the final payment was made. No such action shall be commenced after six months following the date the final payment becomes due, whether by acceleration or otherwise, nor after six months following the date the principal balance is fully paid, whichever first occurs. If the buyer commences such an action and fails to establish that the service charge is in excess of that allowed by RCW 63.14.130, and if the court finds the action was frivolously commenced, the defendant or defendants may, in the court's discretion, recover reasonable attorneys' fees and costs from the buyer.
[ 2012 c 117 § 173; 1967 c 234 § 11.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.154 - Cancellation of transaction by buyer—Procedure.

RCW 63.14.154
Cancellation of transaction by buyer—Procedure.
(1) In addition to any other rights he or she may have, the buyer shall have the right to cancel a retail installment transaction for other than the seller's breach by sending notice of such cancellation to the seller at his or her place of business as set forth in the contract or charge agreement by certified mail, return receipt requested, which shall be posted not later than midnight of the third day (excluding Sundays and holidays) following the date the buyer signs the contract or charge agreement:
(a) If the retail installment transaction was entered into by the buyer and solicited in person or by a commercial telephone solicitation as defined by chapter 20, Laws of 1989 by the seller or his or her representative at a place other than the seller's address, which may be his or her main or branch office, shown on the contract; and
(b) If the buyer returns goods received or makes them available to the seller as provided in subsection (2)(b) of this section.
(2) In the event of cancellation pursuant to this section:
(a) The seller shall, without request, refund to the buyer within ten days after such cancellation all deposits, including any down payment, made under the contract or charge agreement and shall return all goods traded in to the seller on account or in contemplation of the contract less any reasonable costs actually incurred in making ready for sale the goods so traded in;
(b) The seller shall be entitled to reclaim and the buyer shall return or make available to the seller at the place of delivery in its original condition any goods received by the buyer under the contract or charge agreement;
(c) The buyer shall incur no additional liability for such cancellation.
(3) This section does not apply to a retail installment transaction for the purchase of a motor vehicle. If a retail installment sale contract is used for the sale of a vehicle by a motor vehicle dealer at a place other than the dealer's address, the dealer must disclose to the purchaser or lessee in writing that there is no right to cancel the contract under RCW 63.14.154.
[ 2021 c 201 § 3; 2012 c 117 § 174. Prior: 1989 c 20 § 18; 1989 c 14 § 8; 1972 ex.s. c 47 § 4; 1967 c 234 § 12.]
NOTES:
Effective date—1989 c 20: See RCW 19.158.901.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.156 - Extension or deferment of payments—Agreement, charges.

RCW 63.14.156
Extension or deferment of payments—Agreement, charges.
The holder of a retail installment contract may, upon agreement with the buyer, extend the scheduled due date or defer a scheduled payment of all or of any part of any installment or installments payable thereunder. No charge shall be made for any such extension or deferment unless a written acknowledgment of such extension or deferment is sent or delivered to the buyer. The holder may charge and contract for the payment of an extension or deferral charge by the buyer and collect and receive the same, but such charge may not exceed those permitted by *RCW 63.14.130 (a), (b), or (c) on the amount of the installment or installments, or part thereof, extended or deferred for the period of extension or deferral. Such period shall not exceed the period from the date when such extended or deferred installment or installments, or part thereof, would have been payable in the absence of such extension or deferral, to the date when such installment or installments, or part thereof, are made payable under the agreement of extension or deferment; except that a minimum charge of one dollar for the period of extension or deferral may be made in any case where the extension or deferral charge, when computed at such rate, amounts to less than one dollar. Such agreement may also provide for the payment by the buyer of the additional cost to the holder of the contract of premiums for continuing in force, until the end of such period of extension or deferral, any insurance coverages provided for in the contract, subject to the provisions of RCW 63.14.140.
[ 1967 c 234 § 13.]
NOTES:
*Reviser's note: The reference to RCW 63.14.130 (a), (b), or (c) is erroneous. RCW 63.14.130(1) (a) or (b) is apparently intended. Subsequently, RCW 63.14.130 was amended by 1992 c 193 § 2, changing the subsection numbering.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.158 - Refinancing agreements—Costs—Contents.

RCW 63.14.158
Refinancing agreements—Costs—Contents.
The holder of a retail installment contract or contracts may, upon agreement in writing with the buyer, refinance the payment of the unpaid time balance or balances of the contract or contracts by providing for a new schedule of installment payments.
The holder may charge and contract for the payment of a refinance charge by the buyer and collect and receive the same but such refinance charge (1) shall be based upon the amount refinanced, plus any additional cost of insurance and of official fees incident to such refinancing, after the deduction of a refund credit in an amount equal to that to which the buyer would have been entitled under RCW 63.14.080 if he or she had prepaid in full his or her obligations under the contract or contracts, but in computing such refund credit there shall not be allowed the minimum earned service charge as authorized by subsection (1)(d) of such section, and (2) may not exceed the rate of service charge provided under RCW 63.14.130. Such agreement for refinancing may also provide for the payment by the buyer of the additional cost to the holder of the contract or contracts of premiums for continuing in force, until the maturity of the contract or contracts as refinanced, any insurance coverages provided for therein, subject to the provisions of RCW 63.14.140.
The refinancing agreement shall set forth the amount of the unpaid time balance or balances to be refinanced, the amount of any refund credit, the amount to be refinanced after the deduction of the refund credit, the amount or rate of the service charge under the refinancing agreement, any additional cost of insurance and of official fees to the buyer, the new unpaid time balance, if the service charge is stated as a dollar amount, and the new schedule of installment payments. Where there is a consolidation of two or more contracts, then the provisions of RCW 63.14.110 shall apply.
[ 2012 c 117 § 175; 1967 c 234 § 14.]
NOTES:
Minimum earned service charges: RCW 63.14.080.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.159 - New payment schedule—When authorized.

RCW 63.14.159
New payment schedule—When authorized.
In the event a contract provides for the payment of any installment which is more than double the amount of the average of the preceding installments the buyer upon default of this installment, shall be given an absolute right to obtain a new payment schedule. Unless agreed to by the buyer, the periodic payments under the new schedule shall not be substantially greater than the average of the preceding installments. This section shall not apply if the payment schedule is adjusted to the seasonal or irregular income of the buyer or to accommodate the nature of the buyer's employment.
[ 1967 c 234 § 15.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.160 - Conduct or agreement of buyer does not waive remedies.

RCW 63.14.160
Conduct or agreement of buyer does not waive remedies.
No act or agreement of the retail buyer before or at the time of the making of a retail installment contract, retail charge agreement, lender credit card agreement, or purchases thereunder shall constitute a valid waiver of any of the provisions of this chapter or of any remedies granted to the buyer by law.
[ 1984 c 280 § 9; 1963 c 236 § 16.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.165 - Financial institution credit card agreement not subject to chapter 63.14 RCW, but subject to chapter 19.52 RCW.

RCW 63.14.165
Financial institution credit card agreement not subject to chapter 63.14 RCW, but subject to chapter 19.52 RCW.
A financial institution credit card is a card or device issued under an arrangement pursuant to which the issuing financial institution gives to a cardholder residing in this state the privilege of obtaining credit from the issuer or other persons in purchasing or leasing property or services, obtaining loans, or otherwise, and the issuer of which is not principally engaged in the business of selling goods.
Except as provided in RCW 63.14.167, a financial institution credit card agreement and credit extended pursuant to it is not subject to the provisions of this chapter but shall be subject to the provisions of chapter 19.52 RCW.
[ 1984 c 280 § 10; 1981 c 77 § 10.]
NOTES:
Application, saving—1981 c 77: See RCW 63.14.903.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.167 - Lender credit card agreements and financial institution credit card agreements—Credit to account for returned goods or forgiveness of a debit for services—Statement of credit to card issuer—Notice to cardholder.

RCW 63.14.167
Lender credit card agreements and financial institution credit card agreements—Credit to account for returned goods or forgiveness of a debit for services—Statement of credit to card issuer—Notice to cardholder.
(1) Pursuant to a lender credit card or financial institution credit card transaction in which a credit card has been used to obtain credit, the seller is a person other than the card issuer, and the seller accepts or allows a return of goods or forgiveness of a debit for services that were the subject of the sale, credit shall be applied to the obligor's account as provided by this section.
(2) Within seven working days after a transaction in which an obligor becomes entitled to credit, the seller shall transmit a statement to the card issuer through the normal channels established by the card issuer for the transmittal of such statements. The credit card issuer shall credit the obligor's account within three working days following receipt of a credit statement from the seller.
(3) The obligor is not responsible for payment of any service charges resulting from the seller's or card issuer's failure to comply with subsection (2) of this section.
(4) An issuer issuing a lender credit card or financial institution credit card shall mail or deliver a notice of the provisions of this section at least once per calendar year, at intervals of not less than six months nor more than eighteen months, either to all cardholders or to each cardholder entitled to receive a periodic statement for any one billing cycle. The notice shall state that the obligor is not responsible for payment of any service charges resulting from the seller's or card issuer's failure to comply with subsection (2) of this section.
[ 1989 c 11 § 24; 1984 c 280 § 11.]
NOTES:
Severability—1989 c 11: See note following RCW 9A.56.220.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.170 - Violations—Penalties.

RCW 63.14.170
Violations—Penalties.
Any person who shall wilfully and intentionally violate any provision of this chapter shall be guilty of a misdemeanor and upon conviction thereof shall be punished by a fine of not more than one thousand dollars or by imprisonment for not more than six months, or both. Violation of any order or injunction issued pursuant to this chapter shall constitute prima facie proof of a violation of this section.
[ 1963 c 236 § 17.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.175 - Violations—Remedies.

RCW 63.14.175
Violations—Remedies.
No person may pursue any remedy alleging a violation of this chapter on the basis of any act or omission that does not constitute a violation of this chapter as amended by chapter 5, Laws of 1993 sp. sess. For purposes of this section, the phrase "pursue any remedy" includes pleading a defense, asserting a counterclaim or right of offset or recoupment, commencing, maintaining, or continuing any legal action, or pursuing or defending any appeal.
[ 1993 sp.s. c 5 § 3.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.180 - Noncomplying person barred from recovery of service charge, etc.—Remedy of buyer—Extent of recovery.

RCW 63.14.180
Noncomplying person barred from recovery of service charge, etc.—Remedy of buyer—Extent of recovery.
Any person who enters into a retail installment contract, charge agreement, or lender credit card agreement that does not comply with the provisions of this chapter or who violates any provision of this chapter except as a result of an accidental or bona fide error shall be barred from the recovery of any service charge, official fees, or any delinquency or collection charge under or in connection with the related retail installment contract or purchases under a retail charge agreement or lender credit card agreement; but such person may nevertheless recover from the buyer an amount equal to the cash price of the goods or services and the cost to such person of any insurance included in the transaction: PROVIDED, That if the service charge is in excess of that allowed by RCW 63.14.130, except as the result of an accidental or bona fide error, the buyer shall be entitled to an amount equal to the total of (1) twice the amount of the service charge paid, and (2) the amount of the service charge contracted for and not paid, plus (3) costs and reasonable attorneys' fees. The reduction in the cash price by the application of the above sentence shall be applied to diminish pro rata each future installment of principal amount payable under the terms of the contract or agreement.
[ 1984 c 280 § 12; 1967 c 234 § 10; 1963 c 236 § 18.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.190 - Restraint of violations.

RCW 63.14.190
Restraint of violations.
The attorney general or the prosecuting attorney may bring an action in the name of the state against any person to restrain and prevent any violation of this chapter.
[ 1963 c 236 § 19.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.200 - Assurance of discontinuance of unlawful practices.

RCW 63.14.200
Assurance of discontinuance of unlawful practices.
In the enforcement of this chapter, the attorney general may accept an assurance of discontinuance of any act or practice deemed in violation of this chapter, from any person engaging in, or who has engaged in, such act or practice. Any such assurance shall be in writing and be filed with and subject to the approval of the superior court of the county in which the alleged violator resides or has his or her principal place of business, or in Thurston county. Failure to perform the terms of any such assurance shall constitute prima facie proof of a violation of this chapter for the purpose of securing any injunction as provided in RCW 63.14.190 and for the purpose of RCW 63.14.180 hereof: PROVIDED, That after commencement of any action by a prosecuting attorney, as provided herein, the attorney general may not accept an assurance of discontinuance without the consent of the prosecuting attorney.
[ 2012 c 117 § 176; 1963 c 236 § 20.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.210 - Violation of order or injunction—Penalty.

RCW 63.14.210
Violation of order or injunction—Penalty.
Any person who violates any order or injunction issued pursuant to this chapter shall forfeit and pay a civil penalty of not more than one thousand dollars. For the purpose of this section the superior court issuing any injunction shall retain jurisdiction, and the cause shall be continued, and in such cases the attorney general acting in the name of the state may petition for the recovery of civil penalties.
[ 1963 c 236 § 21.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.220 - Retail installment transaction for purchase of a dog or cat—Prohibition.

RCW 63.14.220
Retail installment transaction for purchase of a dog or cat—Prohibition.
A retail installment transaction entered into on or after July 23, 2023, for the purchase of a dog or cat is void and unenforceable and the retail seller shall have no right to collect, receive, or retain any principal, interest, or charges related to the retail installment transaction.
[ 2023 c 208 § 5.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.903 - Application, saving—1981 c 77.

RCW 63.14.903
Application, saving—1981 c 77.
This act applies only to loans, forbearances, or transactions which are entered into after May 8, 1981, or to existing loans, forbearances, contracts, or agreements which were not primarily for personal, family, or household use in which there is an addition to the principal amount of the credit outstanding after May 8, 1981.
[ 1981 c 77 § 13.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.910 - Saving—1963 c 236.

RCW 63.14.910
Saving—1963 c 236.
The provisions of this chapter shall not invalidate or make unlawful retail installment contracts or retail charge agreements executed prior to the effective date hereof.
[ 1963 c 236 § 24.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.920 - Effective date—1963 c 236.

RCW 63.14.920
Effective date—1963 c 236.
This chapter shall take effect October 1, 1963.
[ 1963 c 236 § 25.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.921 - Effective date—Saving—1967 c 234.

RCW 63.14.921
Effective date—Saving—1967 c 234.
This 1967 amendatory act shall take effect on January 1, 1968. Nothing in this 1967 amendatory act shall be construed to affect the validity of any agreement or contractual relationship entered into prior to such date, except that the rate of any service charge computed periodically on the outstanding balance in excess of that allowed by this 1967 amendatory act shall be reduced to a permissible rate on or before January 1, 1968.
[ 1967 c 234 § 17.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.922 - Effective date—1993 sp.s. c 5.

RCW 63.14.922
Effective date—1993 sp.s. c 5.
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 [May 28, 1993].
[ 1993 sp.s. c 5 § 4.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.924 - Application—1995 c 249.

RCW 63.14.924
Application—1995 c 249.
This act applies prospectively only and not retroactively. It applies only to retail installment transactions entered into on or after May 5, 1995.
[ 1995 c 249 § 2.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.925 - Savings—1995 c 249.

RCW 63.14.925
Savings—1995 c 249.
The repeals in section 1, chapter 249, Laws of 1995 shall not be construed as affecting any existing right acquired or liability or obligation incurred under the statutes repealed or under any rule or order adopted pursuant to those statutes; nor as affecting any proceeding instituted under them.
[ 1995 c 249 § 3.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.14 - Retail Installment Sales of Goods and Services. › 63.14.926 - Effective date—1995 c 249.

RCW 63.14.926
Effective date—1995 c 249.
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 [May 5, 1995].
[ 1995 c 249 § 5.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.18 - Lease or Rental of Personal Property—Disclaimer of Warranty of Merchantability or Fitness. › 63.18.010 - Lease or rental agreement for lease of personal property—Disclaimer of warranty of merchantability or fitness—Limitation—Exceptions.

RCW 63.18.010
Lease or rental agreement for lease of personal property—Disclaimer of warranty of merchantability or fitness—Limitation—Exceptions.
In any lease or rental agreement for the lease of movable personal property for use primarily in this state (other than a lease under which the lessee is authorized to use such property at no charge), if the rental or other consideration paid or payable thereunder is at a rate which if computed on an annual basis would be six thousand dollars per year or less, no provision thereof purporting to disclaim any warranty of merchantability or fitness for particular purposes which may be implied by law shall be enforceable unless either (1) the disclaimer sets forth with particularity the qualities and characteristics which are not being warranted, or (2) the lessee is engaged in a public utility business or a public service business subject to regulation by the United States or this state.
[ 1974 ex.s. c 180 § 3.]
NOTES:
Exclusion or modification of warranties: RCW 62A.2-316.
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.010 - Definitions.

RCW 63.19.010
Definitions.
As used in this chapter, unless the context otherwise requires:
(1) "Advertisement" means a commercial message in any medium that aids, promotes, or assists, directly or indirectly, a lease-purchase agreement.
(2) "Cash price" means the price at which the lessor would have sold the property to the consumer for cash on the date of the lease-purchase agreement.
(3) "Consumer" means a natural person who rents personal property under a lease-purchase agreement to be used primarily for personal, family, or household purposes.
(4) "Consummation" means the time a consumer becomes contractually obligated on a lease-purchase agreement.
(5) "Lease-purchase agreement" means an agreement for the use of personal property by a natural person primarily for personal, family, or household purposes, for an initial period of four months or less that is automatically renewable with each payment after the initial period, but does not obligate or require the consumer to continue leasing or using the property beyond the initial period, and that permits the consumer to become the owner of the property.
(6) "Lessor" means a person who regularly provides the use of property through lease-purchase agreements and to whom lease payments are initially payable on the face of the lease-purchase agreement.
[ 1992 c 134 § 2.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.020 - Chapter application.

RCW 63.19.020
Chapter application.
(1) Lease-purchase agreements that comply with this chapter are not governed by the laws relating to:
(a) A consumer lease as defined in chapter 63.10 RCW;
(b) A retail installment sale of goods or services as regulated under chapter 63.14 RCW;
(c) A security interest as defined in Title 62A RCW; or
(d) Loans, forbearances of money, goods, or things in action as governed by chapter 19.52 RCW.
(2) This chapter does not apply to the following:
(a) Lease-purchase agreements primarily for business, commercial, or agricultural purposes, or those made with governmental agencies or instrumentalities or with organizations;
(b) A lease of a safe deposit box;
(c) A lease or bailment of personal property that is incidental to the lease of real property, and that provides that the consumer has no option to purchase the leased property; or
(d) A lease of an automobile.
[ 1992 c 134 § 3.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.030 - Disclosure by lessor—Requirement.

RCW 63.19.030
Disclosure by lessor—Requirement.
(1) The lessor shall disclose to the consumer the information required under this chapter. In a transaction involving more than one lessor, only one lessor need make the disclosures, but all lessors shall be bound by such disclosures.
(2) The disclosure shall be made at or before consummation of the lease-purchase agreement.
(3) The disclosure shall be made clearly and conspicuously in writing and a copy of the lease-purchase agreement provided to the consumer. The disclosures required under RCW 63.19.040(1) shall be made on the face of the contract above the line for the consumer's signature.
(4) If a disclosure becomes inaccurate as the result of any act, occurrence, or agreement by the consumer after delivery of the required disclosures, the resulting inaccuracy is not a violation of this chapter.
[ 1992 c 134 § 4.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.040 - Disclosure by lessor—Contents.

RCW 63.19.040
Disclosure by lessor—Contents.
(1) For each lease-purchase agreement, the lessor shall disclose in the agreement the following items, as applicable:
(a) The total number, total amount, and timing of all payments necessary to acquire ownership of the property;
(b) A statement that the consumer will not own the property until the consumer has made the total payment necessary to acquire ownership;
(c) A statement that the consumer is responsible for the fair market value of the property if, and as of the time, it is lost, stolen, damage, or destroyed;
(d) A brief description of the leased property, sufficient to identify the property to the consumer and the lessor, including an identification number, if applicable, and a statement indicating whether the property is new or used, but a statement that indicates new property is used is not a violation of this chapter;
(e) A brief description of any damage to the leased property;
(f) A statement of the cash price of the property. Where the agreement involves a lease of five or more items as a set, in one agreement, a statement of the aggregate cash price of all items shall satisfy this requirement;
(g) The total of initial payments paid or required at or before consummation of the agreement or delivery of the property, whichever is later;
(h) A statement that the total of payments does not include other charges, such as late payment, default, pickup, and reinstatement fees, which fees shall be separately disclosed in the contract;
(i) A statement clearly summarizing the terms of the consumer's option to purchase, including a statement that the consumer has the right to exercise an early purchase option and the price, formula, or method for determining the price at which the property may be so purchased;
(j) A statement identifying the party responsible for maintaining or servicing the property while it is being leased, together with a description of that responsibility, and a statement that if any part of a manufacturer's express warranty covers the lease property at the time the consumer acquires ownership of the property, it shall be transferred to the consumer, if allowed by the terms of the warranty;
(k) The date of the transaction and the identities of the lessor and consumer;
(l) A statement that the consumer may terminate the agreement without penalty by voluntarily surrendering or returning the property in good repair upon expiration of any lease term along with any past due rental payments; and
(m) Notice of the right to reinstate an agreement as herein provided.
(2) With respect to matters specifically governed by the federal consumer credit protection act, compliance with the act satisfies the requirements of this section.
[ 1992 c 134 § 5.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.050 - Agreement—Restrictions.

RCW 63.19.050
Agreement—Restrictions.
A lease-purchase agreement may not contain:
(1) A confession of judgment;
(2) A negotiable instrument;
(3) A security interest or any other claim of a property interest in any goods except those goods delivered by the lessor pursuant to the lease-purchase agreement;
(4) A wage assignment;
(5) A waiver by the consumer of claims or defenses; or
(6) A provision authorizing the lessor or a person acting on the lessor's behalf to enter upon the consumer's premises or to commit any breach of the peace in the repossession of goods.
[ 1992 c 134 § 6.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.060 - Consumer—Reinstatement of agreement—Terms.

RCW 63.19.060
Consumer—Reinstatement of agreement—Terms.
(1) A consumer who fails to make a timely rental payment may reinstate the agreement, without losing any rights or options that exist under the agreement, by the payment of:
(a) All past due rental charges;
(b) If the property has been picked up, the reasonable costs of pickup and redelivery; and
(c) Any applicable late fee, within ten days of the renewal date if the consumer pays monthly, or within five days of the renewal date if the consumer pays more frequently than monthly.
(2) In the case of a consumer who has paid less than two-thirds of the total of payments necessary to acquire ownership and where the consumer has returned or voluntarily surrendered the property, other than through judicial process, during the applicable reinstatement period set forth in subsection (1) of this section, the consumer may reinstate the agreement during a period of not less than twenty-one days after the date of the return of the property.
(3) In the case of a consumer who has paid two-thirds or more of the total of payments necessary to acquire ownership, and where the consumer has returned or voluntarily surrendered the property, other than through judicial process, during the applicable period set forth in subsection (1) of this section, the consumer may reinstate the agreement during a period of not less than forty-five days after the date of the return of the property.
(4) Nothing in this section shall prevent a lessor from attempting to repossess property during the reinstatement period, but such a repossession shall not affect the consumer's right to reinstate. Upon reinstatement, the lessor shall provide the consumer with the same property or substitute property of comparable quality and condition.
[ 1992 c 134 § 7.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.070 - Written receipt—Lessor's duty.

RCW 63.19.070
Written receipt—Lessor's duty.
A lessor shall provide the consumer a written receipt for each payment made by cash or money order.
[ 1992 c 134 § 8.]
2023 Revised Code of Washington › Title 63 - Personal Property › Chapter 63.19 - Lease-Purchase Agreements. › 63.19.080 - Renegotiation—Same lessor and consumer.

RCW 63.19.080
Renegotiation—Same lessor and consumer.
(1) A renegotiation shall occur when an existing lease-purchase agreement is satisfied and replaced by a new agreement undertaken by the same lessor and consumer. A renegotiation shall be considered a new agreement requiring new disclosures. However, events such as the following shall not be treated as renegotiations:
(a) The addition or return of property in a multiple-item agreement or the substitution of the lease property, if in either case the average payment allocable to a payment period is not changed by more than twenty-five percent;
(b) A deferral or extension of one or more periodic payments, or portions of a periodic payment;
(c) A reduction in charges in the lease or agreement; and
(d) A lease or agreement involved in a court proceeding.
(2) No disclosures are required for any extension of a lease-purchase agreement.
[ 1992 c 134 § 9.]