Title 19 — Title 19 BUSINESS REGULATIONS—MISCELLANEOUS
111 chapters · 1,481 sections in this title.
RCW 19.134.010 Definitions.
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As used in this chapter:(1) "Collection agency" has the same meaning as in RCW 19.16.100.(2) "Communication" means the conveyance of any information regarding a debt, credit record, credit history, or credit rating, including submitting a dispute or requesting information, direct…
RCW 19.134.020 Prohibited conduct.
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(1) A credit services organization, its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit services organization may not do any of the following:(a) Charge or receive any money or other valuable consideratio…
RCW 19.134.030 Surety bond and trust account—Exception to requirement.
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If a credit services organization is in compliance with *RCW 19.134.020(1), the salesperson, agent, or representative who sells the services of that organization is not required to obtain a surety bond and establish a trust account.[ 1986 c 218 s 4.]Notes:*Reviser's note: RCW 19.…
RCW 19.134.040 Information statement—Prerequisite to contract or payment—File maintained.
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Before the execution of a contract or agreement between the consumer and a credit services organization or before the receipt by the credit services organization of any money or other valuable consideration, whichever occurs first, the credit services organization shall provide t…
RCW 19.134.050 Information statement—Contents.
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The information statement required under RCW 19.134.040 shall include all of the following:(1)(a) A conspicuous statement in boldface 10-point type at the top of the statement that clearly outlines to a consumer how the credit services organization will act on behalf of the consu…
RCW 19.134.060 Contract for purchase of services—Contents—Notice of cancellation—Consumer's copy.
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(1) Each contract between the consumer and a credit services organization for the purchase of the services of the credit services organization shall be in writing, dated, signed by the consumer, and include all of the following:(a) A conspicuous statement in boldface type, in imm…
RCW 19.134.070 Waiver of rights—Violations—Enforcement—Unfair business practice.
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(1) Any waiver by a consumer of any part of this chapter is void. Any attempt by a credit services organization to have a consumer waive rights given by this chapter is a violation of this chapter.(2) In any proceeding involving this chapter, the burden of proving an exemption or…
RCW 19.134.080 Damages—Attorneys' fees.
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(1) Any person injured by a violation of this chapter may bring any action for recovery of damages. Judgment shall be entered for actual damages, plus reasonable attorneys' fees and costs. In the case of an action by a consumer, damages shall be awarded in an amount not less than…
RCW 19.134.090 Required communication—Exceptions.
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(1) Unless otherwise required by law, a consumer reporting agency, creditor, or collection agency that knows a consumer is represented by a credit services organization and also has knowledge of, or can readily ascertain, the credit services organization's name and address shall …
RCW 19.134.100 Redaction of personal information in written communication.
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To protect against fraud and identity theft, when a credit services organization sends a written communication by facsimile, electronic mail, United States mail, overnight courier, or other means that contains personal information of a consumer, the credit services organization s…
RCW 19.134.900 Short title.
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This chapter may be known and cited as the "credit services organizations act."[ 1986 c 218 s 1.]