Revised Code of Washington - RCW Title 19 Business Regulations -- Miscellaneous - Chapter 19.52 Interest -- Usury

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; ...

19.52.010 Rate in absence of agreement -- Application to consumer leases
(1) Every loan or forbearance of money, goods, or thing in action shall bear interest at the rate of twelve percent per annum where no ...

19.52.020 Highest rate permissible -- Setup charges
(1) Any rate of interest shall be legal so long as the rate of interest does not exceed the higher of: (a) Twelve percent per ...

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) ...

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, ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

19.52.115 Lender credit card agreements subject to provisions of chapter 19.52 RCW
See RCW 63.14.165. ...

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 ...

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 ...

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.] ...

19.52.150 Defense or action of usury not applicable to consumer leases
See RCW 63.10.060. ...

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 ...

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 ...

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 ...