Washington § 31.45.105 - Violations of chapter — Enforceability of transaction.

Full text of Washington Revised Code of Washington § 31.45.105 — Violations of chapter — Enforceability of transaction., with citation guidance and answers to common questions.

§ 31.45.105. Violations of chapter — Enforceability of transaction.

(1) It is a violation of this chapter for any person subject to this chapter to:
(a) Directly or indirectly employ any scheme, device, or artifice to defraud or mislead any borrower, to defraud or mislead any lender, or to defraud or mislead any person;
(b) Directly or indirectly engage in any unfair or deceptive practice toward any person;
(c) Directly or indirectly obtain property by fraud or misrepresentation;
(d) Make a small loan to any person physically located in Washington through use of the internet, facsimile, telephone, kiosk, or other means without first obtaining a small loan endorsement; and
(e) Sell in a retail installment transaction under chapter 63.14 RCW open loop prepaid access (prepaid access as defined in 31 C.F.R. Part 1010.100(ww) and not closed loop prepaid access as defined in 31 C.F.R. Part 1010.100(kkk)).
(2) It is a violation of this chapter for any person subject to this chapter to:
(a) Advertise, print, display, publish, distribute, or broadcast or cause or permit to be advertised, printed, displayed, published, distributed, or broadcast [broadcasted] any statement or representation that is false, misleading, or deceptive, or that omits material information;
(b) Fail to pay the annual assessment by the date and time as specified in RCW 31.45.050;
(c) Fail to pay any other fee, assessment, or moneys due the department.
(3) In addition to any other penalties, any transaction in violation of subsection (1) of this section is uncollectible and unenforceable.
[ 2012 c 17 s 10; 2007 c 81 s 1.]

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

Related Washington Legal Topics

Frequently Asked Questions About Washington § 31.45.105

What does Revised Code of Washington § 31.45.105 cover?

Section 31.45.105 ("Violations of chapter — Enforceability of transaction.") 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.

How do I cite Washington § 31.45.105?

A common citation format is "Revised Code of Washington § 31.45.105" (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.

How does Washington § 31.45.105 apply to my situation?

Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Washington can advise on how this section applies to you. Contact your state or local bar association for a referral.

Sources & Verification

Not legal advice. Verify against the official source and consult a licensed attorney in Washington.