reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.031 - Value.

RCW 19.40.031
Value.
(1) Value is given for a transfer or an obligation if, in exchange for the transfer or obligation, property is transferred or an antecedent debt is secured or satisfied, but value does not include an unperformed promise made otherwise than in the ordinary course of the promisor's business to furnish support to the debtor or another person.
(2) For the purposes of RCW 19.40.041(1)(b) and 19.40.051, a person gives a reasonably equivalent value if the person acquires an interest of the debtor in an asset pursuant to a regularly conducted, noncollusive foreclosure sale or execution of a power of sale for the acquisition or disposition of the interest of the debtor upon default under a mortgage, deed of trust, or security agreement.
(3) A transfer is made for present value if the exchange between the debtor and the transferee is intended by them to be contemporaneous and is in fact substantially contemporaneous.
[ 2017 c 57 § 3; 1987 c 444 § 3.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.041 - Transfers voidable as to present and future creditors.

RCW 19.40.041
Transfers voidable as to present and future creditors.
(1) A transfer made or obligation incurred by a debtor is voidable as to a creditor, whether the creditor's claim arose before or after the transfer was made or the obligation was incurred, if the debtor made the transfer or incurred the obligation:
(a) With actual intent to hinder, delay, or defraud any creditor of the debtor; or
(b) Without receiving a reasonably equivalent value in exchange for the transfer or obligation, and the debtor:
(i) Was engaged or was about to engage in a business or a transaction for which the remaining assets of the debtor were unreasonably small in relation to the business or transaction; or
(ii) Intended to incur, or believed or reasonably should have believed that the debtor would incur, debts beyond the debtor's ability to pay as they became due.
(2) In determining actual intent under subsection (1)(a) of this section, consideration may be given, among other factors, to whether:
(a) The transfer or obligation was to an insider;
(b) The debtor retained possession or control of the property transferred after the transfer;
(c) The transfer or obligation was disclosed or concealed;
(d) Before the transfer was made or obligation was incurred, the debtor had been sued or threatened with suit;
(e) The transfer was of substantially all the debtor's assets;
(f) The debtor absconded;
(g) The debtor removed or concealed assets;
(h) The value of the consideration received by the debtor was reasonably equivalent to the value of the asset transferred or the amount of the obligation incurred;
(i) The debtor was insolvent or became insolvent shortly after the transfer was made or the obligation was incurred;
(j) The transfer occurred shortly before or shortly after a substantial debt was incurred; and
(k) The debtor transferred the essential assets of the business to a lienor that transferred the assets to an insider of the debtor.
(3) A creditor making a claim for relief under subsection (1) of this section has the burden of proving the elements of the claim for relief by a preponderance of the evidence.
[ 2017 c 57 § 4; 1987 c 444 § 4.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.051 - Transfers voidable as to present creditors.

RCW 19.40.051
Transfers voidable as to present creditors.
(1) A transfer made or obligation incurred by a debtor is voidable as to a creditor whose claim arose before the transfer was made or the obligation was incurred if the debtor made the transfer or incurred the obligation without receiving a reasonably equivalent value in exchange for the transfer or obligation and the debtor was insolvent at that time or the debtor became insolvent as a result of the transfer or obligation.
(2) A transfer made by a debtor is voidable as to a creditor whose claim arose before the transfer was made if the transfer was made to an insider for an antecedent debt, the debtor was insolvent at that time, and the insider had reasonable cause to believe that the debtor was insolvent.
(3) Subject to RCW 19.40.021(2), a creditor making a claim for relief under subsection (1) or (2) of this section has the burden of proving the elements of the claim for relief by a preponderance of the evidence.
[ 2017 c 57 § 5; 1987 c 444 § 5.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.061 - When transfer is made or obligation is incurred.

RCW 19.40.061
When transfer is made or obligation is incurred.
For the purposes of this chapter:
(1) A transfer is made:
(a) With respect to an asset that is real property other than a fixture, but including the interest of a seller or purchaser under a contract for the sale of the asset, when the transfer is so far perfected that a good-faith purchaser of the asset from the debtor against which applicable law permits the transfer to be perfected cannot acquire an interest in the asset that is superior to the interest of the transferee; and
(b) With respect to an asset that is not real property or that is a fixture, when the transfer is so far perfected that a creditor on a simple contract cannot acquire a judicial lien otherwise than under this chapter that is superior to the interest of the transferee;
(2) If applicable law permits the transfer to be perfected as provided in subsection (1) of this section and the transfer is not so perfected before the commencement of an action for relief under this chapter, the transfer is deemed made immediately before the commencement of the action;
(3) If applicable law does not permit the transfer to be perfected as provided in subsection (1) of this section, the transfer is made when it becomes effective between the debtor and the transferee;
(4) A transfer is not made until the debtor has acquired rights in the asset transferred; and
(5) An obligation is incurred:
(a) If oral, when it becomes effective between the parties; or
(b) If evidenced by a record, when the record signed by the obligor is delivered to or for the benefit of the obligee.
[ 2017 c 57 § 6; 1987 c 444 § 6.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.071 - Remedies of creditors.

RCW 19.40.071
Remedies of creditors.
(1) In an action for relief against a transfer or obligation under this chapter, a creditor, subject to the limitations in RCW 19.40.081, may obtain:
(a) Avoidance of the transfer or obligation to the extent necessary to satisfy the creditor's claim;
(b) An attachment or other provisional remedy against the asset transferred or other property of the transferee if available under applicable law; and
(c) Subject to applicable principles of equity and in accordance with applicable rules of civil procedure:
(i) An injunction against further disposition by the debtor or a transferee, or both, of the asset transferred or of other property;
(ii) Appointment of a receiver to take charge of the asset transferred or of other property of the transferee; or
(iii) Any other relief the circumstances may require.
(2) If a creditor has obtained a judgment on a claim against the debtor, the creditor, if the court so orders, may levy execution on the asset transferred or its proceeds.
[ 2017 c 57 § 7; 2000 c 171 § 54; 1987 c 444 § 7.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.091 - Extinguishment of claim for relief.

RCW 19.40.091
Extinguishment of claim for relief.
A claim for relief with respect to a transfer or obligation under this chapter is extinguished unless action is brought:
(1) Under RCW 19.40.041(1)(a), not later than four years after the transfer was made or the obligation was incurred or, if later, not later than one year after the transfer or obligation was or could reasonably have been discovered by the claimant;
(2) Under RCW 19.40.041(1)(b) or 19.40.051(1), not later than four years after the transfer was made or the obligation was incurred; or
(3) Under RCW 19.40.051(2), not later than one year after the transfer was made.
[ 2017 c 57 § 9; 1987 c 444 § 9.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.101 - Governing law.

RCW 19.40.101
Governing law.
(1) In this section, the following rules determine a debtor's location:
(a) A debtor who is an individual is located at the individual's principal residence.
(b) A debtor that is an organization and has only one place of business is located at its place of business.
(c) A debtor that is an organization and has more than one place of business is located at its chief executive office.
(2) A claim for relief in the nature of a claim for relief under this chapter is governed by the local law of the jurisdiction in which the debtor is located when the transfer is made or the obligation is incurred.
[ 2017 c 57 § 10.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.111 - Application to series organization.

RCW 19.40.111
Application to series organization.
(1) In this section:
(a) "Protected series" means an arrangement, however denominated, created by a series organization that, pursuant to the law under which the series organization is organized, has the characteristics set forth in (b) of this subsection.
(b) "Series organization" means an organization that, pursuant to the law under which it is organized, has the following characteristics:
(i) The organic record of the organization provides for creation by the organization of one or more protected series, however denominated, with respect to specified property of the organization, and for records to be maintained for each protected series that identify the property of or associated with the protected series.
(ii) Debt incurred or existing with respect to the activities of, or property of or associated with, a particular protected series is enforceable against the property of or associated with the protected series only, and not against the property of or associated with the organization or other protected series of the organization.
(iii) Debt incurred or existing with respect to the activities or property of the organization is enforceable against the property of the organization only, and not against the property of or associated with a protected series of the organization.
(2) A series organization and each protected series of the organization is a separate person for purposes of this chapter, even if for other purposes a protected series is not a person separate from the organization or other protected series of the organization.
[ 2017 c 57 § 11.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.121 - Relation to electronic signatures in global and national commerce act.

RCW 19.40.121
Relation to electronic signatures in global and national commerce act.
This chapter modifies, limits, or supersedes the electronic signatures in global and national commerce act, 15 U.S.C. Sec. 7001 et seq., but does not modify, limit, or supersede section 101(c) of that act, 15 U.S.C. Sec. 7001(c), or authorize electronic delivery of any of the notices described in section 103(b) of that act, 15 U.S.C. Sec. 7003(b).
[ 2017 c 57 § 12.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.900 - Short title.

RCW 19.40.900
Short title.
This chapter, which was formerly cited as the uniform fraudulent transfer act, may be cited as the uniform voidable transactions act.
[ 2017 c 57 § 13; 1987 c 444 § 12.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.902 - Supplementary provisions.

RCW 19.40.902
Supplementary provisions.
Unless displaced by the provisions of this chapter, the principles of law and equity, including the law merchant and the law relating to principal and agent, estoppel, laches, fraud, misrepresentation, duress, coercion, mistake, insolvency, or other validating or invalidating cause, supplement its provisions.
[ 1987 c 444 § 10.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.903 - Uniformity of application and construction.

RCW 19.40.903
Uniformity of application and construction.
This chapter shall be applied and construed to effectuate its general purpose to make uniform the law with respect to the subject of this chapter among states enacting it.
[ 1987 c 444 § 11.]
NOTES:
Effective date—1987 c 444: See note following RCW 19.40.011.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.904 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 19.40.904
Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.
For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.
[ 2009 c 521 § 54.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.40 - Uniform Voidable Transactions Act. › 19.40.905 - Effect on prior transfers and obligations—2017 c 57.

RCW 19.40.905
Effect on prior transfers and obligations—2017 c 57.
(1) Chapter 57, Laws of 2017 applies to a transfer made or obligation incurred on or after July 23, 2017.
(2) Chapter 57, Laws of 2017 does not apply to a transfer made or obligation incurred before July 23, 2017.
(3) Chapter 57, Laws of 2017 does not apply to a right of action that has accrued before July 23, 2017.
(4) For the purposes of this section, a transfer is made and an obligation is incurred at the time provided in RCW 19.40.061.
[ 2017 c 57 § 14.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.48 - Hotels, Lodging Houses, etc.—Restaurants. › 19.48.010 - Definitions.

RCW 19.48.010
Definitions.
Any building held out to the public to be an inn, hotel or public lodging house or place where sleeping accommodations, whether with or without meals, or the facilities for preparing the same, are furnished for hire to transient guests, in which three or more rooms are used for the accommodation of such guests, shall for the purposes of this chapter and chapter 60.64 RCW, or any amendment thereof, only, be defined to be a hotel, and whenever the word hotel shall occur in this chapter and chapter 60.64 RCW, or any amendment thereof, it shall be construed to mean a hotel as herein described.
[ 1999 c 95 § 1; 1929 c 216 § 1; 1915 c 190 § 1; 1909 c 29 § 1; RRS § 6860. FORMER PART OF SECTION: 1933 c 114 § 1, part; 1929 c 216 § 2, part; 1915 c 190 § 3, part; 1890 p 95 § 1, part; RRS § 6862, part, now codified in RCW 19.48.030.]
NOTES:
Guest defined: RCW 60.64.010.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.48 - Hotels, Lodging Houses, etc.—Restaurants. › 19.48.020 - Record of guests—Hotels and trailer camps.

RCW 19.48.020
Record of guests—Hotels and trailer camps.
Every hotel and trailer camp shall keep a record of the arrival and departure of its guests in such a manner that the record will be a permanent one for at least one year from the date of departure: PROVIDED, That this requirement shall not apply with respect to guests of tenants in mobile home parks, as defined in RCW 59.20.030.
[ 1979 ex.s. c 186 § 14; 1955 c 138 § 1; 1915 c 190 § 2; RRS § 6861.]
NOTES:
Severability—1979 ex.s. c 186: See note following RCW 59.20.030.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.48 - Hotels, Lodging Houses, etc.—Restaurants. › 19.48.030 - Liability for loss of valuables when safe or vault furnished—Limitation.

RCW 19.48.030
Liability for loss of valuables when safe or vault furnished—Limitation.
Whenever the proprietor, keeper, owner, operator, lessee, or manager of any hotel, lodging house or inn shall provide a safe or vault for the safekeeping of any money, bank notes, jewelry, precious stones, ornaments, railroad mileage books or tickets, negotiable securities or other valuable papers, bullion, or other valuable property of small compass belonging to the guests, boarders or lodgers of such hotel, lodging house or inn, and shall notify the guests, boarders or lodgers thereof by posting a notice in three or more public and conspicuous places in the office, elevators, public rooms, elevator lobbies, public corridors, halls or entrances, or in the public parlors of such hotel, lodging house or inn, stating the fact that such safe or vault is provided in which such property may be deposited; and if such guests, boarders or lodgers shall neglect to deliver such property to the person in charge of such office, for deposit in the safe or vault, the proprietor, keeper, owner, operator, lessee or manager, whether individual, partnership or corporation, of such hotel, lodging house or inn shall not be liable for any loss or destruction of any such property, or any damage thereto, sustained by such guests, boarders or lodgers, by negligence of such proprietor, keeper, owner, operator, lessee or manager, or his, her, their or its employees, or by fire, theft, burglary, or any other cause whatsoever; but no proprietor, keeper, owner, operator, lessee or manager of any hotel, lodging house or inn, shall be obliged to receive property on deposit for safekeeping exceeding one thousand dollars in value; and if such guests, boarders or lodgers shall deliver such property to the person in charge of said office for deposit in such safe or vault, said proprietor, keeper, owner, operator, lessee, or manager, shall not be liable for the loss or destruction thereof, or damage thereto, sustained by such guests, boarders or lodgers in any such hotel, lodging house, or inn, exceeding the sum of one thousand dollars, notwithstanding said property may be of greater value, unless by special arrangement in writing with such proprietor, keeper, owner, operator, lessee or manager: PROVIDED, HOWEVER, That in case of such deposit of such property, the proprietor, keeper, owner, operator, lessee or manager of such hotel, lodging house, or inn, shall in no event be liable for loss or destruction thereof, or damage thereto, unless caused by the theft or gross negligence of such proprietor, keeper, owner, operator, lessee, or manager, of his, her, their, or its agents, servants or employees.
[ 1933 c 114 § 1; 1929 c 216 § 2; 1915 c 190 § 3; 1890 p 95 § 1; RRS § 6862. Formerly RCW 19.48.010, part, 19.48.030 through 19.48.060.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.005 - Declaration of policy.

RCW 19.52.005
Declaration of policy.
RCW 19.52.005, 19.52.020, 19.52.030, 19.52.032, 19.52.034, and 19.52.036 are enacted in order to protect the residents of this state from debts bearing burdensome interest rates; and in order to better effect the policy of this state to use this state's policies and courts to govern the affairs of our residents and the state; and in recognition of the duty to protect our citizens from oppression generally.
[ 1967 ex.s. c 23 § 2.]
NOTES:
Severability—1967 ex.s. c 23: "If any provision of this chapter is declared unconstitutional, or the applicability thereof to any person or circumstance is held invalid, the constitutionality of the remainder of the chapter and the applicability thereof to other persons and circumstances shall not be affected thereby." [ 1967 ex.s. c 23 § 8.]
Savings—1967 ex.s. c 23: "The provisions of this 1967 amendatory act shall not apply to transactions entered into prior to the effective date hereof." [ 1967 ex.s. c 23 § 9.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.010 - Rate in absence of agreement—Exception for prejudgment interest—Application to consumer leases.

RCW 19.52.010
Rate in absence of agreement—Exception for prejudgment interest—Application to consumer leases.
(1) Except as provided in subsection (2) of this section, every loan or forbearance of money, goods, or thing in action shall bear interest at the rate of twelve percent per annum where no different rate is agreed to in writing between the parties: PROVIDED, That with regard to any transaction heretofore or hereafter entered into subject to this section, if an agreement in writing between the parties evidencing such transaction provides for the payment of money at the end of an agreed period of time or in installments over an agreed period of time, then such agreement shall constitute a writing for purposes of this section and satisfy the requirements thereof. The discounting of commercial paper, where the borrower makes himself or herself liable as maker, guarantor, or indorser, shall be considered as a loan for the purposes of this chapter.
(2)(a) Prejudgment interest charged or collected on medical debt, as defined in RCW 19.16.100, must not exceed nine percent.
(b) For any medical debt for which prejudgment interest has accrued or may be accruing as of July 28, 2019, no prejudgment interest in excess of nine percent shall accrue thereafter.
(3) A lease shall not be considered a loan or forbearance for the purposes of this chapter if:
(a) It constitutes a "consumer lease" as defined in RCW 63.10.020;
(b) It constitutes a lease-purchase agreement under chapter 63.19 RCW; or
(c) It would constitute such "consumer lease" but for the fact that:
(i) The lessee was not a natural person;
(ii) The lease was not primarily for personal, family, or household purposes; or
(iii) The total contractual obligation exceeded twenty-five thousand dollars.
[ 2019 c 227 § 5; 2011 c 336 § 542; 1992 c 134 § 13. Prior: 1983 c 309 § 1; 1983 c 158 § 6; 1981 c 80 § 1; 1899 c 80 § 1; RRS § 7299; prior: 1895 c 136 § 1; 1893 c 20 § 1; Code 1881 § 2368; 1863 p 433 § 1; 1854 p 380 § 1.]
NOTES:
Short title—1992 c 134: See RCW 63.19.900.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.020 - Highest rate permissible—Setup charges.

RCW 19.52.020
Highest rate permissible—Setup charges.
(1) Except as provided in subsection (4) of this section, any rate of interest shall be legal so long as the rate of interest does not exceed the higher of: (a) Twelve percent per annum; or (b) four percentage points above the equivalent coupon issue yield (as published by the Board of Governors of the Federal Reserve System) of the average bill rate for twenty-six week treasury bills as determined at the first bill market auction conducted during the calendar month immediately preceding the later of (i) the establishment of the interest rate by written agreement of the parties to the contract, or (ii) any adjustment in the interest rate in the case of a written agreement permitting an adjustment in the interest rate. No person shall directly or indirectly take or receive in money, goods, or things in action, or in any other way, any greater interest for the loan or forbearance of any money, goods, or things in action.
(2)(a) In any loan of money in which the funds advanced do not exceed the sum of five hundred dollars, a setup charge may be charged and collected by the lender, and such setup charge shall not be considered interest hereunder.
(b) The setup charge shall not exceed four percent of the amount of funds advanced, or fifteen dollars, whichever is the lesser, except that on loans of under one hundred dollars a minimum not exceeding four dollars may be so charged.
(3) Any loan made pursuant to a commitment to lend at an interest rate permitted at the time the commitment is made shall not be usurious. Credit extended pursuant to an open-end credit agreement upon which interest is computed on the basis of a balance or balances outstanding during a billing cycle shall not be usurious if on any one day during the billing cycle the rate at which interest is charged for the billing cycle is not usurious.
(4)(a) Prejudgment interest charged or collected on medical debt, as defined in RCW 19.16.100, must not exceed nine percent.
(b) For any medical debt for which prejudgment interest has accrued or may be accruing as of July 28, 2019, no prejudgment interest in excess of nine percent shall accrue thereafter.
[ 2019 c 227 § 6; 1989 c 14 § 3; 1985 c 224 § 1; 1981 c 78 § 1; 1967 ex.s. c 23 § 4; 1899 c 80 § 2; RRS § 7300. Prior: 1895 c 136 § 2; 1893 c 20 § 3; Code 1881 § 2369; 1863 p 433 § 2; 1854 p 380 § 2.]
NOTES:
Effective date—1985 c 224: "This act is necessary for the immediate preservation of the public peace, health, and safety, the support of the state government and its existing public institutions, and shall take effect July 1, 1985." [ 1985 c 224 § 2.]
Severability—1981 c 78: "If any provision of this act or its application to any person or circumstance is held invalid, the remainder of the act or the application of the provision to other persons or circumstances is not affected." [ 1981 c 78 § 7.]
Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.
Interest on judgments: RCW 4.56.110.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.025 - Computation of rates—Publication in the Washington State Register.

RCW 19.52.025
Computation of rates—Publication in the Washington State Register.
Each month the state treasurer shall compute the highest rate of interest permissible under RCW 19.52.020(1), and the rate of interest required by RCW 4.56.110(3) and 4.56.115, for the succeeding calendar month. The treasurer shall file these rates with the state code reviser for publication in the next available issue of the Washington State Register in compliance with RCW 34.08.020(8).
[ 2004 c 185 § 4; 1986 c 60 § 1.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.030 - Usury—Penalty upon suit on contract—Costs and attorneys' fees.

RCW 19.52.030
Usury—Penalty upon suit on contract—Costs and attorneys' fees.
(1) If a greater rate of interest than is allowed by statute shall be contracted for or received or reserved, the contract shall be usurious, but shall not, therefore, be void. If in any action on such contract proof be made that greater rate of interest has been directly or indirectly contracted for or taken or reserved, the creditor shall only be entitled to the principal, less the amount of interest accruing thereon at the rate contracted for; and if interest shall have been paid, the creditor shall only be entitled to the principal less twice the amount of the interest paid, and less the amount of all accrued and unpaid interest; and the debtor shall be entitled to costs and reasonable attorneys' fees plus the amount by which the amount the debtor has paid under the contract exceeds the amount to which the creditor is entitled: PROVIDED, That the debtor may not commence an action on the contract to apply the provisions of this section if a loan or forbearance is made to a corporation engaged in a trade or business for the purposes of carrying on said trade or business unless there is also, in connection with such loan or forbearance, the creation of liability on the part of a natural person or that person's property for an amount in excess of the principal plus interest allowed pursuant to RCW 19.52.020. The reduction in principal shall be applied to diminish pro rata each future installment of principal payable under the terms of the contract.
(2) The acts and dealings of an agent in loaning money shall bind the principal, and in all cases where there is usurious interest contracted for by the transaction of any agent the principal shall be held thereby to the same extent as though the principal had acted in person. Where the same person acts as agent of the borrower and lender, that person shall be deemed the agent of the lender for the purposes of this chapter. If the agent of both the borrower and lender, or of the lender only, transacts a usurious loan for a commission or fee, such agent shall be liable to the principal for the amount of the commission or fee received or reserved by the agent, and liable to the lender for the loss suffered by the lender as a result of the application of this chapter.
[ 1989 c 14 § 7; 1967 ex.s. c 23 § 5; 1899 c 80 § 7; RRS § 7304. Prior: 1895 c 136 § 5; 1893 c 20 § 3. Formerly RCW 19.52.030 through 19.52.050.]
NOTES:
Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.032 - Declaratory judgment action to establish usury—Time limitations for commencing.

RCW 19.52.032
Declaratory judgment action to establish usury—Time limitations for commencing.
The debtor, if a natural person, or the creditor may bring an action for declaratory judgment to establish whether a loan or forbearance contract is or was usurious, and such an action shall be considered an action on the contract for the purposes of applying the provisions of RCW 19.52.030. Such an action shall be brought against the current creditor or debtor on the contract or, if the loan or debt has been fully repaid, by the debtor against the creditor to whom the debtor was last indebted on the contract. No such an 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 is fully paid, whichever first occurs. If the debtor commences such an action and fails to establish usury, and if the court finds the action was frivolously commenced, the defendant or defendants may, in the court's discretion, recover reasonable attorney's fees from the debtor.
[ 1967 ex.s. c 23 § 6.]
NOTES:
Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.034 - Application of chapter 19.52 RCW to loan or forbearance made outside state.

RCW 19.52.034
Application of chapter 19.52 RCW to loan or forbearance made outside state.
Whenever a loan or forbearance is made outside Washington state to a person then residing in this state the usury laws found in chapter 19.52 RCW, as now or hereafter amended, shall be applicable in all courts of this state to the same extent such usury laws would be applicable if the loan or forbearance was made in this state.
[ 1967 ex.s. c 23 § 3.]
NOTES:
Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.036 - Application of consumer protection act.

RCW 19.52.036
Application of consumer protection act.
Entering into or transacting a usurious contract is hereby declared to be an unfair act or practice in the conduct of commerce for the purpose of the application of the consumer protection act found in chapter 19.86 RCW.
[ 1967 ex.s. c 23 § 7.]
NOTES:
Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.060 - Interest on charges in excess of published rates.

RCW 19.52.060
Interest on charges in excess of published rates.
Any corporation, partnership or individual who furnishes the public any goods, wares, merchandise, pledge, security, insurance or transportation of which the price, rate or tariff is by law required to be published, shall, when any price, rate or tariff is charged in excess of the existing and established price, rate or tariff, refund to the person, partnership or corporation so overcharge, or to the assignee of such claim, the amount of such overcharge, and on failure so to do, the claim for such overcharge shall bear interest at the rate of eight percent per annum until paid.
[ 1907 c 187 § 1; RRS § 5841.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.080 - Defense of usury or maintaining action thereon prohibited if transaction primarily agricultural, commercial, investment, or business—Exception.

RCW 19.52.080
Defense of usury or maintaining action thereon prohibited if transaction primarily agricultural, commercial, investment, or business—Exception.
Profit and nonprofit corporations, Massachusetts trusts, associations, trusts, general partnerships, joint ventures, limited partnerships, and governments and governmental subdivisions, agencies, or instrumentalities may not plead the defense of usury nor maintain any action thereon or therefor, and persons may not plead the defense of usury nor maintain any action thereon or therefor if the transaction was primarily for agricultural, commercial, investment, or business purposes: PROVIDED, HOWEVER, That this section shall not apply to a consumer transaction of any amount.
Consumer transactions, as used in this section, shall mean transactions primarily for personal, family, or household purposes.
[ 1981 c 78 § 2; 1975 1st ex.s. c 180 § 1; 1970 ex.s. c 97 § 2; 1969 ex.s. c 142 § 1.]
NOTES:
Severability—1981 c 78: See note following RCW 19.52.020.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.090 - Defense of usury or maintaining action thereon prohibited for certain types of transactions after May 1, 1980, and prior to March 1, 1981.

RCW 19.52.090
Defense of usury or maintaining action thereon prohibited for certain types of transactions after May 1, 1980, and prior to March 1, 1981.
No person may plead the defense of usury or maintain any action thereon or therefor for the interest charged on the unpaid balance of a contract for the sale and purchase of personal property which was not purchased primarily for personal, family or household use or real property if the purchase was made after May 1, 1980 and prior to March 1, 1981.
[ 1981 c 78 § 9.]
NOTES:
Severability—1981 c 78: See note following RCW 19.52.020.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.100 - Chapter not applicable to retail installment transactions.

RCW 19.52.100
Chapter not applicable to retail installment transactions.
This chapter shall not apply to a retail installment transaction, as defined by RCW 63.14.010, whether or not it is construed to be a loan or forbearance of any money, goods, or things in action.
[ 1981 c 78 § 3.]
NOTES:
Severability—1981 c 78: See note following RCW 19.52.020.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.110 - Limitations in chapter not applicable to interest charged by broker-dealers—When.

RCW 19.52.110
Limitations in chapter not applicable to interest charged by broker-dealers—When.
The interest charged by any broker-dealer registered under chapter 21.20 RCW and under the federal securities and exchange act of 1934, as amended, shall not be subject to the limitations imposed by this chapter if the underlying loans (1) may be paid in full at the option of the borrower and (2) are subject to the credit regulations of the board of governors of the federal reserve system, or its successor.
[ 1981 c 79 § 1.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.120 - Sales contract providing for deferred payment of purchase price not subject to chapter.

RCW 19.52.120
Sales contract providing for deferred payment of purchase price not subject to chapter.
A sales contract for goods or services providing for the deferred payment of the purchase price shall not be subject to this chapter, regardless of who seeks to enforce the contract, notwithstanding the existence or occurrence of any one or more of the following events:
(1) That the seller may have arranged to sell, pledge, indorse, negotiate, assign, or transfer the obligations thereof to any person, including a financing organization, prior to or subsequent to or concurrently with the making of the sales transaction;
(2) That the amount of the finance charge, however denominated, is determined by reference to charts, computations or information supplied by such person;
(3) That the form or forms of instruments used to evidence the sales transaction have been supplied or prepared by such person;
(4) That the credit standing of the purchaser is or may have been evaluated by such person;
(5) That the sales transaction and the execution of any instrument evidencing the same is negotiated in the presence or with the assistance of a representative of such person;
(6) That the instrument or instruments used to evidence the sales transaction are pledged, indorsed, negotiated, assigned, or transferred by the seller to such person;
(7) That there is an underlying agreement between the seller and such person concerning the pledging, indorsing, negotiation, assigning, or transferring of sales contracts; or
(8) That the financing organization or its affiliates also provide franchising, financing, or other services to the seller-assignor.
[ 1981 c 77 § 7.]
NOTES:
Application, saving—1981 c 77: See RCW 63.14.903.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.130 - Charge made by assignee of retail installment contract or charge agreement to seller-assignor not limited by chapter—No agreement between credit card issuing bank and retailer shall prohibit discounts for cash payment.

RCW 19.52.130
Charge made by assignee of retail installment contract or charge agreement to seller-assignor not limited by chapter—No agreement between credit card issuing bank and retailer shall prohibit discounts for cash payment.
(1) 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 and notwithstanding duties retained by the assignee 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 account or contract assigned or the subject matter of such account or contract.
(2) No agreement between a credit card issuing bank and retailer shall prohibit the retailer from granting general discounts for the payment of cash, not in excess of the percentage allowed by Regulation Z, the Federal Truth in Lending Act.
[ 1981 c 77 § 8.]
NOTES:
Application, saving—1981 c 77: See RCW 63.14.903.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.140 - Chapter not applicable to interest, penalties, or costs on delinquent property taxes.

RCW 19.52.140
Chapter not applicable to interest, penalties, or costs on delinquent property taxes.
This chapter does not apply in respect to interest, penalties, or costs imposed on delinquent property taxes under chapter 84.64 RCW.
[ 1981 c 322 § 8.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.160 - Chapter not applicable to mobile homes.

RCW 19.52.160
Chapter not applicable to mobile homes.
This chapter shall not apply to the financing of mobile homes which meets the definition of real property contained in RCW 84.04.090, and which financing is insured by a federal instrumentality.
[ 1985 c 395 § 6.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.170 - Chapter not applicable to certain loans from tax-qualified retirement plan.

RCW 19.52.170
Chapter not applicable to certain loans from tax-qualified retirement plan.
This chapter does not apply to any loan permitted under applicable federal law and regulations from a tax-qualified retirement plan to a person then a participant or a beneficiary under the plan.
This section affects loans being made, negotiated, renegotiated, extended, renewed, or revised on or after April 20, 1989.
[ 1989 c 138 § 1.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.52 - Interest—Usury. › 19.52.900 - Application—Construction—1981 c 78.

RCW 19.52.900
Application—Construction—1981 c 78.
Chapter 78, Laws of 1981 shall apply only to loans or forbearances or transactions which are entered into after May 8, 1981, or to existing loans or forbearances, contracts or agreements which were not primarily for personal, family, or household use to which there is an addition to the principal amount of the credit outstanding after May 8, 1981: PROVIDED, HOWEVER, That nothing in chapter 78, Laws of 1981 shall be construed as implying that agricultural or investment purposes are not already included within the meaning of "commercial or business purposes" as used in RCW 19.52.080 as in effect prior to May 8, 1981.
[ 1989 c 8 § 2; 1981 c 78 § 10.]
NOTES:
Severability—1981 c 78: See note following RCW 19.52.020.
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.56 - Unsolicited Goods. › 19.56.010 - Newspaper mailed without authority is gift.

RCW 19.56.010
Newspaper mailed without authority is gift.
Whenever any person, company or corporation owning or controlling any newspaper or periodical of any kind, or whenever any editor or proprietor of any such newspaper or periodical shall mail or send any such newspaper or periodical to any person or persons in this state without first receiving an order for said newspaper or periodical from such person or persons to whom said newspaper or periodical is mailed or sent, it shall be deemed to be a gift, and no debt or obligation shall accrue against such person or persons, whether said newspaper or periodical is received by the person or persons to whom it is sent or not.
[ 2000 c 171 § 55; 1890 p 460 § 1; RRS § 5842.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.56 - Unsolicited Goods. › 19.56.020 - Unsolicited goods or services as gifts.

RCW 19.56.020
Unsolicited goods or services as gifts.
If unsolicited goods or services are provided to a person, the person has a right to accept the goods or services as a gift only, and is not bound to return the goods or services. Goods or services are not considered to have been solicited unless the recipient specifically requested, in an affirmative manner, the receipt of the goods or services according to the terms under which they are being offered. Goods or services are not considered to have been requested if a person fails to respond to an invitation to purchase the goods or services and the goods or services are provided notwithstanding. If the unsolicited goods or services are either addressed to or intended for the recipient, the recipient may use them or dispose of them in any manner without any obligation to the provider, and in any action for goods or services sold and delivered, or in any action for the return of the goods, it is a complete defense that the goods or services were provided voluntarily and that the defendant did not affirmatively order or request the goods or services, either orally or in writing.
[ 1992 c 43 § 1; 1967 c 57 § 1.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.56 - Unsolicited Goods. › 19.56.030 - Violation—Application of consumer protection act.

RCW 19.56.030
Violation—Application of consumer protection act.
Violation of RCW 19.56.020 is a matter affecting the public interest for the purpose of applying chapter 19.86 RCW. Failure to comply with this chapter is not reasonable in relation to the development and preservation of business. A violation of RCW 19.56.020 constitutes an unfair or deceptive act or practice in trade or commerce for the purposes of applying chapter 19.86 RCW.
[ 1992 c 43 § 2.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.58 - Motion Picture Fair Competition Act. › 19.58.010 - Purpose.

RCW 19.58.010
Purpose.
The purpose of this chapter is to establish fair and open procedures for bidding and negotiation for the right to exhibit motion pictures in the state in order to prevent unfair and deceptive acts or practices and unreasonable restraints of trade in the business of motion picture distribution and exhibition within the state; to promote fair and effective competition in that business; and to insure that exhibitors have the opportunity to view a motion picture and know its contents before committing themselves to exhibiting the motion picture in their communities.
[ 1979 ex.s. c 29 § 1.]
2023 Revised Code of Washington › Title 19 - Business Regulations—Miscellaneous › Chapter 19.58 - Motion Picture Fair Competition Act. › 19.58.030 - Blind bidding or blind selling prohibited—Trade screening required—Notice.

RCW 19.58.030
Blind bidding or blind selling prohibited—Trade screening required—Notice.
(1) The buying or selling of the right to exhibit a feature motion picture by blind bidding or blind selling is prohibited within the state.
(2) No bids may be returnable, no negotiations for the exhibition or licensing of a motion picture may take place, and no license agreement or any of its terms may be agreed upon, for the exhibition of a feature motion picture within the state before the feature motion picture has either been trade screened or otherwise made available for viewing by all exhibitors within the state.
(3) A distributor shall provide reasonable and uniform notice of the trade screening of feature motion pictures to those exhibitors within the state from whom bids will be solicited or with whom negotiations will be conducted for the license or right to exhibit the feature motion picture.
(4) A purported waiver of the prohibition in this chapter against blind bidding or blind selling is void and unenforceable.
[ 1979 ex.s. c 29 § 3.]