Washington § 19.52.032 - Declaratory judgment action to establish usury — Time limitations for commencing.

Full text of Washington Revised Code of Washington § 19.52.032 — Declaratory judgment action to establish usury — Time limitations for commencing., with citation guidance and answers to common questions.

§ 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 or was usurious, and such an action shall be considered an action on the contract for the purposes of applying the provisions of RCW 19.52.030. Such an action shall be brought against the current creditor or debtor on the contract or, if the loan or debt has been fully repaid, by the debtor against the creditor to whom the debtor was last indebted on the contract. No such an action shall be commenced after six months following the date the final payment becomes due, whether by acceleration or otherwise, nor after six months following the date the principal is fully paid, whichever first occurs. If the debtor commences such an action and fails to establish usury, and if the court finds the action was frivolously commenced, the defendant or defendants may, in the court's discretion, recover reasonable attorney's fees from the debtor.
[ 1967 ex.s. c 23 s 6.]

Notes

Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.

Source: official Washington text · Last verified 2026-08-27

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Frequently Asked Questions About Washington § 19.52.032

What does Revised Code of Washington § 19.52.032 cover?

Section 19.52.032 ("Declaratory judgment action to establish usury — Time limitations for commencing.") is part of the Revised Code of Washington, the codified statutory law of Washington. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.

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A common citation format is "Revised Code of Washington § 19.52.032" (Washington). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.

Is this the official text of Washington law?

No. This page is for research and education and may not include the most recent amendments. For official current law, check the Washington official source linked on this page or consult a licensed Washington attorney.

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