Section 208-620-010. Definitions.

Section 208-620-011. How does the department interpret certain definitions in RCW 31.04.015?

Section 208-620-104. Who is exempt from licensing as a consumer loan company?

Section 208-620-105. Who is exempt from licensing as a mortgage loan originator under this act?

Section 208-620-230. Do I need a consumer loan license to lend money, extend credit or service or modify the terms of residential mortgage loans?

Section 208-620-231. Who must have a consumer loan license to service residential mortgage loans secured by Washington residential real estate or obligating Washington residents?

Section 208-620-232. Can I make a small number of residential mortgage loans without being licensed at the company level?

Section 208-620-234. Must a company that provides loan processing or underwriting services on residential mortgage loans be licensed under the Consumer Loan Act?

Section 208-620-235. When making loans, is there a maximum rate of interest allowed under the act?

Section 208-620-240. Once I am licensed, does the act apply to all loans I broker or make?

Section 208-620-250. If my out-of-state company applies for a license under the Consumer Loan Act do we have to have a branch in the state of Washington?

Section 208-620-251. Are there any additional requirements for out-of-state licensees?

Section 208-620-260. If I am licensed under the Consumer Loan Act, can I broker residential mortgage loans in the state of Washington?

Section 208-620-271. Do I need a license to assist a homeowner with a residential mortgage loan modification?

Section 208-620-280. How do I apply for a consumer loan license?

Section 208-620-281. What will happen if my license application is incomplete?

Section 208-620-282. How do I withdraw my application for a license?

Section 208-620-284. What are my rights if the director denies my application for a license?

Section 208-620-290. What fees must I pay for my application for a consumer loan license?

Section 208-620-300. If I want to operate my business from more than one office, do I have to license each location?

Section 208-620-301. If I make residential mortgage loans and employ managers, must they license individually as mortgage loan originators?

Section 208-620-310. Is it necessary to license an office that is only providing underwriting and other back-office services?

Section 208-620-320. What is the amount of the bond required for my consumer loan license?

Section 208-620-325. What will my bond amount be in the first year of licensing?

Section 208-620-327. How often will my bond amount change?

Section 208-620-328. How often must I report my loan origination and residential mortgage loan servicing volume?

Section 208-620-330. Does the surety bond need to reflect coverage for licensee and its W-2 employees and independent contractors?

Section 208-620-340. Do I have any alternative to maintaining a surety bond?

Section 208-620-341. If I originate residential mortgage loans and my company relies on the bond substitute, must my licensed mortgage loan originators obtain an individual bond?

Section 208-620-350. If I qualify to use a bond substitute in lieu of a surety bond, what documentation do I have to provide to the department?

Section 208-620-360. What if I use a bond substitute and my unimpaired capital falls below the minimum?

Section 208-620-370. What are the grounds for denying or conditioning my consumer loan company license application?

Section 208-620-371. May I employ someone to work with Washington residents or Washington property who has been convicted of a gross misdemeanor or felony, or who has had a lending-related license revoked or suspended?

Section 208-620-372. Am I responsible for the actions of my employees and independent contractors?

Section 208-620-373. What happens to residential mortgage loans in the pipeline if a mortgage loan originator leaves my company?

Section 208-620-374. What action must I take in the NMLS if I fire a residential mortgage loan originator or if a residential mortgage loan originator quits?

Section 208-620-378. Knowledge of the law and rules.

Section 208-620-400. Can I share an office with another business?

Section 208-620-420. May I transact my company business in a name other than the name on my company license?

Section 208-620-425. May I transfer or assign my license?

Section 208-620-430. What are my annual filing requirements as a consumer loan licensee?

Section 208-620-431. What are my quarterly call report filing requirements if I make, broker, or service residential mortgage loans?

Section 208-620-440. How do I calculate my annual assessment for activity in Washington?

Section 208-620-460. Must I file my annual reports even if I go out of business during the year?

Section 208-620-480. What are my reporting responsibilities if my company files for bankruptcy?

Section 208-620-490. What are my reporting responsibilities when something of significance happens to my business?

Section 208-620-499. What are my reporting requirements if I want to close my company or surrender my license?

Section 208-620-500. What are my reporting requirements if I want to close one or more of my branch offices?

Section 208-620-505. In addition to the Consumer Loan Act, what other laws do I have to comply with?

Section 208-620-506. Must my underwriting analysis of a borrower's residential mortgage loan application include a determination of the borrower's ability to repay the loan?

Section 208-620-507. What elements of an ability to repay analysis must be part of my underwriting policy of a conventional residential mortgage loan?

Section 208-620-510. What are my disclosure obligations to consumers?

Section 208-620-511. What is the disclosure required under RCW 19.144.020 for residential mortgage loans?

Section 208-620-513. In a residential mortgage loan transaction, what are my disclosure obligations to the company that brokered the loan to me?

Section 208-620-515. What authority do I have after my license has been issued?

Section 208-620-520. How long must I maintain my records under the Consumer Loan Act?

Section 208-620-530. Can I maintain my records electronically?

Section 208-620-531. Must I have a business resumption plan?

Section 208-620-532. Records disposal.

Section 208-620-540. Do I need to account separately for payments from borrowers for third-party service providers?

Section 208-620-545. Must I provide a written agreement when I provide third-party residential mortgage loan modification services?

Section 208-620-550. What business practices are prohibited?

Section 208-620-551. Residential mortgage loan servicers—What business practices are prohibited?

Section 208-620-552. Third-party residential loan modification service providers—What business practices are prohibited?

Section 208-620-555. What fees are allowed and when can they be collected from the borrower under the Consumer Loan Act?

Section 208-620-556. What fees must I refund to the borrower if I provide services subject to the act but do not have a license?

Section 208-620-560. What fees are not allowed when making loans under the Consumer Loan Act?

Section 208-620-561. What fees can I collect on VA loans?

Section 208-620-565. What fees am I allowed to charge or receive when acting as a residential mortgage loan broker under the act?

Section 208-620-566. What fees am I not allowed to charge or receive when brokering residential mortgage loans under the act?

Section 208-620-567. What fees can I charge when servicing residential mortgage loans under the act?

Section 208-620-568. What fees am I not allowed to charge when providing third-party residential mortgage loan modification services under the act?

Section 208-620-570. What are the grounds for suspending or revoking a consumer loan company license?

Section 208-620-571. Information security program required by the federal Safeguards Rule implementing the Gramm-Leach-Bliley Act.

Section 208-620-572. Consumer financial information privacy under the Gramm-Leach-Bliley Act (GLBA) and Regulation P.

Section 208-620-573. Notice to consumers of data breach.

Section 208-620-580. As a licensee, will my business be subject to periodic examinations?

Section 208-620-590. How much will I be charged for my examinations and when will the payment be due?

Section 208-620-600. How often will the department visit my business to examine my records?

Section 208-620-601. What assistance may the department seek in conducting an investigation or examination of my business?

Section 208-620-610. What authority does the department have to investigate violations of the Consumer Loan Act?

Section 208-620-611. What federal guidance has the director adopted for use by the department in determining if a violation under RCW 31.04.027 has occurred?

Section 208-620-612. What must I do to comply with the federal guidelines on nontraditional mortgage loan product risks and statement on subprime lending?

Section 208-620-613. When I develop policies and procedures to implement the federal guidelines on applicable conventional residential mortgage loans, what topics must be included?

Section 208-620-614. What Washington law protects my rights when my license is suspended or revoked?

Section 208-620-615. Application of the Administrative Procedure Act.

Section 208-620-620. How do I have to identify my business when I advertise?

Section 208-620-621. May I advertise over the internet using a URL address that is not my licensed business name?

Section 208-620-622. When I advertise using the internet or any electronic form (including, but not limited to, text messages), is there specific content my web pages must contain?

Section 208-620-630. What are some of the advertising restrictions I must comply with?

Section 208-620-640. What are some of the federal laws I must comply with when I advertise any loan subject to the Consumer Loan Act?

Section 208-620-650. Will the director waive fees charged under the Consumer Loan Act?

Section 208-620-700. Mortgage loan originator—General.

Section 208-620-710. Mortgage loan originator—Licensing.

Section 208-620-720. Loan originator—Prelicensing education.

Section 208-620-725. Mortgage loan originator—Testing.

Section 208-620-730. Loan originator—Continuing education.

Section 208-620-800. What definitions are applicable to proprietary reverse mortgage products under the act?

Section 208-620-805. Does this part (WAC 208-620-800 through 208-620-850) apply to the FHA approved home equity conversion mortgage (HECM) product?

Section 208-620-810. What requirements must I meet before offering or making proprietary reverse mortgages to Washington residents?

Section 208-620-820. What specific loan terms and conditions are allowed or required in the proprietary reverse mortgages I make to Washington residents?

Section 208-620-825. What reverse mortgage program information must I submit to the director for approval before offering or making proprietary reverse mortgages?

Section 208-620-830. What disclosures or statements must I provide to a borrower in a reverse mortgage transaction?

Section 208-620-835. Under what circumstances will the department determine that the making of a reverse mortgage was unsuitable for a particular borrower and therefore an unfair and deceptive practice in violation of RCW 31.04.027?

Section 208-620-850. What is the process I must follow to obtain the department's approval of my proprietary reverse mortgage product?

Section 208-620-900. What requirements must I comply with when servicing residential mortgage loans?