Revised Code of Washington - RCW Title 63 Personal Property - Chapter 63.14 Retail Installment Sales Of Goods And Services

63.14.010 Definitions
In this chapter, unless the context otherwise requires: (1) "Goods" means all chattels personal when purchased primarily for personal, family, or household use and not ...

63.14.020 Retail installment contracts -- Number of documents -- Promissory notes -- Date -- Signatures -- Completion -- Type size
Every retail installment contract shall be contained in a single document which shall contain the entire agreement of the parties including any promissory notes or ...

63.14.030 Retail installment contracts -- Delivery to buyer of copy -- Acknowledgment of delivery
The retail seller shall deliver to the retail buyer, at the time the buyer signs the contract a copy of the contract as signed by ...

63.14.040 Retail installment contracts -- Contents
(1) The retail installment contract shall contain the names of the seller and the buyer, the place of business of the seller, the residence or ...

63.14.043 Retail installment contracts -- Purchase of motor vehicle
If a retail installment contract for the purchase of a motor vehicle meets the requirements of this chapter and meets the requirements of any federal ...

63.14.050 Retail installment contracts -- Multiple documents permissible where original applies to purchases from time to time
A retail installment contract may be contained in more than one document, provided that one such document shall be an original document signed by the ...

63.14.060 Retail installment contracts -- Mail orders based on catalog or other printed solicitation
Retail installment contracts negotiated and entered into by mail or telephone without solicitation in person by salesmen or other representatives of the seller and based ...

63.14.070 Retail installment contracts -- Seller not to obtain buyer's signature when essential blank spaces not filled -- Exceptions
The seller shall not obtain the signature of the buyer to any contract when it contains blank spaces of items which are essential provisions of ...

63.14.080 Retail installment contracts -- Prepayment in full of unpaid time balance -- Refund of unearned service charge -- "Rule of seventy-eighths"
For the purpose of this section "periodic time balance" means the unpaid portion of the time balance as of the last day of each month, ...

63.14.090 Retail installment contracts, retail charge agreements, and lender credit card agreements -- Delinquency or collection charges -- Attorney's fees, court costs -- Other provisions not inconsistent with chapter are permissible
(1) The holder of any retail installment contract, retail charge agreement, or lender credit card agreement may not collect any delinquency or collection charges, including ...

63.14.100 Receipt for cash payment -- Retail installment contracts, statement of payment schedule and total amount unpaid
A buyer shall be given a written receipt for any payment when made in cash. Upon written request of the buyer, the holder of a ...

63.14.110 Consolidation of subsequent purchases with previous contract
(1) If, in a retail installment transaction, a retail buyer makes any subsequent purchases of goods or services from a retail seller from whom he ...

63.14.120 Retail charge agreements and lender credit card agreements -- Information to be furnished by seller
(1) At or prior to the time a retail charge agreement or lender credit card agreement is made the seller shall advise the buyer in ...

63.14.123 Restrictions on electronically printed credit card receipts
(1) A retailer shall not print more than the last five digits of the credit card account number or print the credit card expiration date ...

63.14.125 Lender credit card agreements -- Security interests prohibited
A lender credit card agreement may not contain any provision for a security interest in real or personal property or fixtures of the buyer to ...

63.14.130 Retail installment contracts, retail charge agreements, and lender credit card agreements -- Service charge agreed to by contract -- Other fees and charges prohibited
The service charge shall be inclusive of all charges incident to investigating and making the retail installment contract or charge agreement and for the privilege ...

63.14.136 Retail installment transaction -- Unconscionable -- Judicial action
(1) With respect to a retail installment transaction, as defined in RCW 63.14.010(8), if the court as a matter of law finds the agreement or ...

63.14.140 Retail installment contracts, retail charge agreements, and lender credit card agreements -- Insurance
If the cost of any insurance is included in the retail installment contract, retail charge agreement, or lender credit card agreement: (1) The contract or ...

63.14.145 Retail installment contracts and charge agreements -- Sale, transfer, or assignment
(1) A retail seller may sell, transfer, or assign a retail installment contract or charge agreement. After such sale, transfer, or assignment, the retail installment ...

63.14.150 Retail installment contracts, retail charge agreements, and lender credit card agreements -- Agreements by buyer not to assert claim or defense or to submit to suit in another county invalid
No provision of a retail installment contract, retail charge agreement, or lender credit card agreement is valid by which the buyer agrees not to assert ...

63.14.151 Retail installment contracts, retail charge agreements, and lender credit card agreements -- Compliance with disclosure requirements of federal consumer protection act deemed compliance with chapter 63.14 RCW
Any retail installment contract, retail charge agreement, or lender credit card agreement that complies with the disclosure requirements of Title I of the federal consumer ...

63.14.152 Declaratory judgment action to establish if service charge is excessive
The seller, holder, or buyer may bring an action for declaratory judgment to establish whether service charges contracted for or received in connection with a ...

63.14.154 Cancellation of transaction by buyer -- Procedure
(1) In addition to any other rights he may have, the buyer shall have the right to cancel a retail installment transaction for other than ...

63.14.156 Extension or deferment of payments -- Agreement, charges
The holder of a retail installment contract may, upon agreement with the buyer, extend the scheduled due date or defer a scheduled payment of all ...

63.14.158 Refinancing agreements -- Costs -- Contents
The holder of a retail installment contract or contracts may, upon agreement in writing with the buyer, refinance the payment of the unpaid time balance ...

63.14.159 New payment schedule -- When authorized
In the event a contract provides for the payment of any installment which is more than double the amount of the average of the preceding ...

63.14.160 Conduct or agreement of buyer does not waive remedies
No act or agreement of the retail buyer before or at the time of the making of a retail installment contract, retail charge agreement, lender ...

63.14.165 Financial institution credit card agreement not subject to chapter 63.14 RCW, but subject to chapter 19.52 RCW
A financial institution credit card is a card or device issued under an arrangement pursuant to which the issuing financial institution gives to a card ...

63.14.167 Lender credit card agreements and financial institution credit card agreements -- Credit to account for returned goods or forgiveness of a debit for services -- Statement of credit to card issuer -- Notice to cardholder
(1) Pursuant to a lender credit card or financial institution credit card transaction in which a credit card has been used to obtain credit, the ...

63.14.170 Violations -- Penalties
Any person who shall wilfully and intentionally violate any provision of this chapter shall be guilty of a misdemeanor and upon conviction thereof shall be ...

63.14.175 Violations -- Remedies
No person may pursue any remedy alleging a violation of this chapter on the basis of any act or omission that does not constitute a ...

63.14.180 Noncomplying person barred from recovery of service charge, etc. -- Remedy of buyer -- Extent of recovery
Any person who enters into a retail installment contract, charge agreement, or lender credit card agreement that does not comply with the provisions of this ...

63.14.190 Restraint of violations
The attorney general or the prosecuting attorney may bring an action in the name of the state against any person to restrain and prevent any ...

63.14.200 Assurance of discontinuance of unlawful practices
In the enforcement of this chapter, the attorney general may accept an assurance of discontinuance of any act or practice deemed in violation of this ...

63.14.210 Violation of order or injunction -- Penalty
Any person who violates any order or injunction issued pursuant to this chapter shall forfeit and pay a civil penalty of not more than one ...

63.14.900 Severability -- 1963 c 236
If any provision of this chapter is declared unconstitutional, or the applicability thereof to any person or circumstances is held invalid, the constitutionality of the ...

63.14.901 Severability -- 1967 c 234
If any provision of this chapter is declared unconstitutional, or the applicability thereof to any person or circumstances is held invalid, the constitutionality of the ...

63.14.902 Severability -- 1981 c 77
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 ...

63.14.903 Application, saving -- 1981 c 77
This act applies only to loans, forbearances, or transactions which are entered into after May 8, 1981, or to existing loans, forbearances, contracts, or agreements ...

63.14.904 Severability -- 1984 c 280
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 ...

63.14.910 Saving -- 1963 c 236
The provisions of this chapter shall not invalidate or make unlawful retail installment contracts or retail charge agreements executed prior to the effective date hereof.[1963 ...

63.14.920 Effective date -- 1963 c 236
This chapter shall take effect October 1, 1963.[1963 c 236 § 25.] ...

63.14.921 Effective date -- Saving -- 1967 c 234
This 1967 amendatory act shall take effect on January 1, 1968. Nothing in this 1967 amendatory act shall be construed to affect the validity of ...

63.14.922 Effective date -- 1993 sp.s. c 5
This act is necessary for the immediate preservation of the public peace, health, or safety, or support of the state government and its existing public ...

63.14.923 Severability -- 1993 sp.s. c 5
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 ...

63.14.924 Application -- 1995 c 249
This act applies prospectively only and not retroactively. It applies only to retail installment transactions entered into on or after May 5, 1995.[1995 c 249 ...

63.14.925 Savings -- 1995 c 249
The repeals in section 1, chapter 249, Laws of 1995 shall not be construed as affecting any existing right acquired or liability or obligation incurred ...

63.14.926 Effective date -- 1995 c 249
This act is necessary for the immediate preservation of the public peace, health, or safety, or support of the state government and its existing public ...