Title 19 — Title 19 BUSINESS REGULATIONS—MISCELLANEOUS
111 chapters · 1,481 sections in this title.
RCW 19.265.010 Definitions.
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The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Borrower" means a taxpayer who receives the proceeds of a refund anticipation loan.(2) "Department" means the department of financial institutions.(3) "Director" means…
RCW 19.265.020 Registration of facilitators.
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(1) No person may individually, or in conjunction or cooperation with another person act as a facilitator unless that person is:(a) A tax preparer or works for a person that engages in the business of tax preparation;(b) Accepted by the internal revenue service as an authorized I…
RCW 19.265.030 Required disclosure.
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(1) For all refund anticipation loans, a facilitator must provide clear disclosure to the borrower prior to the borrower's completion of the application. The disclosure must contain the following:(a) The refund anticipation loan fee schedule; and(b) A written statement, in a mini…
RCW 19.265.040 Borrower may rescind loan—Manner.
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A borrower may rescind a loan, on or before the close of business on the next day of business, by either returning the original check issued for the loan or providing the amount of the loan in cash to the lender or the facilitator. The facilitator may not charge the borrower a fe…
RCW 19.265.050 Facilitators—Unlawful activities.
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It is unlawful for a facilitator of a refund anticipation loan to engage in any of the following activities:(1) Misrepresent a material factor or condition of a refund anticipation loan;(2) Fail to process the application for a refund anticipation loan promptly after the consumer…
RCW 19.265.060 Violation of chapter—Penalty.
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Any person who knowingly and willfully violates this chapter is guilty of a misdemeanor and shall be fined up to five hundred dollars for each offense.[ 2005 c 471 s 7.]
RCW 19.265.070 Finding—Application of chapter 19.86 RCW.
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The legislature finds that the practices covered by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. A violation of this chapter is not reasonable in relation to the development and preserva…
RCW 19.265.900 Short title.
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This chapter may be known and cited as the tax refund anticipation loan act.[ 2005 c 471 s 1.]