Washington § 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.

Full text of Washington Revised Code of Washington § 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., with citation guidance and answers to common questions.

§ 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 of making the installment payments thereunder and no other fee, expense or charge whatsoever shall be taken, received, reserved, or contracted therefor from the buyer, except for any vehicle dealer administrative fee under RCW 46.68.440(1) or for any vehicle dealer documentary service fee under RCW 46.70.180(2).
(1) The service charge, in a retail installment contract, shall not exceed the dollar amount or rate agreed to by contract and disclosed under RCW 63.14.040(1)(h).
(2) The service charge in a retail charge agreement, revolving charge agreement, lender credit card agreement, or charge agreement, shall not exceed the schedule or rate agreed to by contract and disclosed under RCW 63.14.120(1). If the service charge so computed is less than one dollar for any month, then one dollar may be charged.
[ 2010 c 161 s 1153; 2003 c 368 s 3; 1999 c 113 s 4; 1997 c 331 s 7; 1992 c 193 s 1. Prior: 1989 c 112 s 1; 1989 c 14 s 5; 1987 c 318 s 1; 1984 c 280 s 5; 1981 c 77 s 5; 1969 c 2 s 3 (Initiative Measure No. 245, approved November 5, 1968); 1967 c 234 s 8; 1963 c 236 s 13.]

Notes

Effective date—Intent—Legislation to reconcile chapter 161, Laws of 2010 and other amendments made during the 2010 legislative session—2010 c 161: See notes following RCW 46.04.013.
Effective date—1997 c 331: See note following RCW 70.168.135.
Effective date—1987 c 318: "This act shall take effect January 1, 1988." [ 1987 c 318 s 2.]
Application, saving—1981 c 77: See RCW 63.14.903.

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

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Frequently Asked Questions About Washington § 63.14.130

What does Revised Code of Washington § 63.14.130 cover?

Section 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.") 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 § 63.14.130?

A common citation format is "Revised Code of Washington § 63.14.130" (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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