CERTIFICATION OF ENROLLMENT

 

                   SUBSTITUTE HOUSE BILL 1743

 

 

                   Chapter 208, Laws of 1991

 

 

                        52nd Legislature

                      1991 Regular Session

 

 

                    HIGH RISK CONSUMER LOANS

 

 

EFFECTIVE DATE:  Sections 1 through 23 become effective on 1/1/92; Section 24 becomes effective on 1/1/93.

 

 


Passed by the House March 13, 1991

  Yeas 98   Nays 0

 

 

              JOE KING             

Speaker of the

       House of Representatives

 

Passed by the Senate April 17, 1991

  Yeas 38   Nays 9

 

 

           JOEL PRITCHARD          

President of the Senate

 

 

Approved May 16, 1991

 

 

 

 

 

 

 

           BOOTH GARDNER           

Governor of the State of Washington


       CERTIFICATE

 

I, Alan Thompson, Chief Clerk of the House of Representatives of the State of Washington, do hereby certify that the attached is SUBSTITUTE HOUSE BILL 1743 as passed by the House of Representatives and the Senate on the dates hereon set forth.

 

 

 

            ALAN THOMPSON             Chief Clerk

 

 

                                     FILED         

 

 

 

                 May 16, 1991 - 10:19 a.m.

 

 

 

                        Secretary of State   

                       State of Washington  



 


                  _______________________________________________

 

                            SUBSTITUTE HOUSE BILL 1743

                  _______________________________________________

 

                             AS AMENDED BY THE SENATE

 

                     Passed Legislature - 1991 Regular Session

 

 

State of Washington              52nd Legislature             1991 Regular Session

 

By House Committee on Financial Institutions & Insurance (originally sponsored by Representatives Dellwo, Broback, R. Meyers, R. Johnson, Dorn, Zellinsky, Paris, Scott and Winsley).

 

Read first time February 19, 1991.  Revising regulation of high-interest consumer loans.


     AN ACT Relating to consumer loans; adding new sections to chapter 31.04 RCW; repealing RCW 31.04.010, 31.04.030, 31.04.040, 31.04.050, 31.04.060, 31.04.070, 31.04.080, 31.04.090, 31.04.095, 31.04.100, 31.04.110, 31.04.120, 31.04.130, 31.04.140, 31.04.150, 31.04.160, 31.04.200, 31.04.210, 31.04.220, 31.04.230, 31.04.250, 31.04.260, 31.08.010, 31.08.020, 31.08.030, 31.08.050, 31.08.060, 31.08.070, 31.08.080, 31.08.090, 31.08.100, 31.08.130, 31.08.140, 31.08.150, 31.08.160, 31.08.170, 31.08.173, 31.08.175, 31.08.180, 31.08.190, 31.08.200, 31.08.210, 31.08.220, 31.08.230, 31.08.240, 31.08.250, 31.08.260, 31.08.270, 31.08.900, 31.08.910, 31.08.911, and 31.08.920; prescribing penalties; and providing an effective date.

 

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:

 

     NEW SECTION.  Sec. 1.      The legislature finds that borrowers who represent a higher than average credit risk are unable to obtain credit except at interest rates higher than permitted under other statutory provisions governing interest rates for loans.  Therefore, it is the purpose of this chapter to authorize higher interest rates for certain types of loans, subject to the conditions and limitations contained in this chapter in order to ensure credit availability.

 

     NEW SECTION.  Sec. 2.      The definitions set forth in this section apply throughout this chapter unless the context clearly requires a different meaning.

     (1) "Person" includes individuals, partnerships, associations, trusts, corporations, and all other legal entities.

     (2) "License" means a single license issued under the authority of this chapter with respect to a single place of business.

     (3) "Licensee" means a person to whom one or more licenses have been issued.

     (4) "Supervisor" means the supervisor of banking of the department of general administration.

     (5) "Insurance" means life insurance, disability insurance, property insurance, involuntary unemployment insurance, and such other insurance as may be authorized by the insurance commissioner.

     (6) "Add-on method" means the method of precomputing interest payable on a loan whereby the interest to be earned is added to the principal balance and the total plus any charges allowed under this chapter is stated as the loan amount, without further provision for the payment of interest except for failure to pay according to loan terms.  The supervisor may adopt by rule a more detailed explanation of the meaning and use of this method.

     (7) "Simple interest method" means the method of computing interest payable on a loan by applying the annual percentage interest rate or its periodic equivalent to the unpaid balances of the principal of the loan outstanding for the time outstanding with each payment applied first to any unpaid penalties, fees, or charges, then to accumulated interest, and the remainder of the payment applied to the unpaid balance of the principal until paid in full.  In using such method, interest shall not be payable in advance nor compounded.  The supervisor may adopt by rule a more detailed explanation of the meaning and use of this method.

 

     NEW SECTION.  Sec. 3.      No person may engage in the business of making secured or unsecured loans of money, credit, or things in action at interest rates authorized by this chapter without first obtaining and maintaining a license in accordance with this chapter.

 

     NEW SECTION.  Sec. 4.      This chapter shall not apply to any person doing business under and as permitted by any law of this state or of the United States relating to banks, savings banks, trust companies, savings and loan or building and loan associations, or credit unions, nor to any pawnbroking business lawfully transacted under and as permitted by any law of this state regulating pawnbrokers, nor to any loan of credit made pursuant to a credit card plan including but not restricted to plans having all of the following characteristics:

     (1) Where credit cards are issued pursuant to a plan whereby the organization issuing such cards shall be enabled to acquire those certain obligations which its members in good standing incur with those persons with whom the organization has entered into agreements setting forth said plan, and where the obligations are incurred pursuant to such agreements; or whereby the organization issuing such cards shall be enabled to extend credit to its members;

     (2) Any fee for such credit cards is designed to cover only the administrative costs of the plan and does not exceed twenty-five dollars per year;

     (3) Any charges, discounts, or fees resulting from the acquisition of such charges shall be paid to the organization issuing said credit cards (or to such other organizations as may be authorized by the issuing organization) by the persons, corporations, or associations with whom the organization has entered into such written agreements.

 

     NEW SECTION.  Sec. 5.      (1) Application for a license under this chapter must be in writing and in the form prescribed by the supervisor.  The application must contain at least the following information:

     (a) The name and the business and the residence addresses of the applicant;

     (b) If the applicant is a partnership or association, the name of every member;

     (c) If the applicant is a corporation, the name of each officer and director;

     (d) The street address, county, and municipality where business is to be conducted; and

     (e) Such other information as the supervisor may require by rule.

     (2) At the time of filing an application for a license under this chapter, each applicant shall pay to the supervisor an investigation fee and the initial year's license fee in an amount determined by rule of the supervisor to be sufficient to cover the supervisor's costs in administering this chapter.

     (3) Each applicant shall file and maintain a surety bond, approved by the supervisor, in the penal sum of one hundred thousand dollars, executed by the applicant as obligor and by a surety company authorized to do a surety business in this state as surety, whose liability as such surety shall not exceed the penal sum in the aggregate.  The bond shall run to the state of Washington as obligee for the use and benefit of the state and of any person or persons who may have a cause of action against the obligor under this chapter.  The bond shall be conditioned that the obligor as licensee will faithfully conform to and abide by this chapter and all the rules adopted under this chapter.  The bond will pay to the state and any person or persons having a cause of action against the obligor all moneys that may become due and owing to the state and those persons under and by virtue of this chapter.  In lieu of a surety bond, if the applicant is a Washington business corporation, the applicant may maintain unimpaired capital, surplus, and long-term subordinated debt in an amount that at any time its outstanding promissory notes or other evidences of debt (other than long-term subordinated debt) in an aggregate sum do not exceed three times the aggregate amount of its unimpaired capital, surplus, and long-term subordinated debt.  The supervisor may define qualifying "long-term subordinated debt" for purposes of this section.

 

     NEW SECTION.  Sec. 6.      (1) The supervisor shall issue and deliver a license to the applicant to make loans in accordance with this chapter at the location specified in the application if, after investigation, the supervisor finds that the applicant has paid all required fees, has complied with section 5 of this act, and that the financial responsibility, experience, character, and general fitness of the applicant are such as to command the confidence of the community and to warrant a belief that the business will be operated honestly, fairly, and efficiently within the purposes of this chapter.

     (2) If the supervisor does not find the conditions of subsection (1) of this section have been met, the supervisor shall not issue the license.  The supervisor shall notify the applicant of the denial and return to the applicant the bond posted and the sum paid by the applicant as a license fee, retaining the investigation fee to cover the costs of investigating the application.  The supervisor shall approve or deny every application for license under this chapter within sixty days from the filing of a complete application with the fees and the approved bond.

 

     NEW SECTION.  Sec. 7.      The license shall state the address at which the business is to be conducted and shall state fully the name of the licensee, and if the licensee is a copartnership or association, the names of its members, and if a corporation, the date and place of its incorporation.  The licensee shall conspicuously post the license in the place of business of the licensee.  The license is not transferable or assignable.

 

     NEW SECTION.  Sec. 8.      The licensee may not maintain more than one place of business under the same license, but the supervisor may issue more than one license to the same licensee upon application by the licensee in a form and manner established by the supervisor.  A licensee who has five licensed locations shall not be required to maintain a bond in a penal sum exceeding ten thousand dollars for each additionally licensed location.

     Whenever a licensee wishes to change the place of business to a street address other than that designated in the license, the licensee shall give written notice to the supervisor and shall obtain the supervisor's approval.

 

     NEW SECTION.  Sec. 9.      A licensee shall, for each license held by any person, on or before the twentieth day of each December, pay to the supervisor an annual license fee.  At the same time the licensee shall file with the supervisor the required bond or otherwise demonstrate compliance with section 5 of this act.

 

     NEW SECTION.  Sec. 10.     (1) The supervisor may revoke a license issued under this chapter if the supervisor finds that:

     (a) The licensee has failed to pay any fee due the state of Washington, has failed to maintain in effect the bond or permitted substitute required under this chapter, or has failed to comply with any specific order or demand of the supervisor lawfully made and directed to the licensee in accordance with this chapter;

     (b) The licensee, either knowingly or without the exercise of due care, has violated any provision of this chapter or any rule adopted under this chapter; or

     (c) A fact or condition exists that, if it had existed at the time of the original application for the license, clearly would have allowed the supervisor to deny the application for the original license.  The supervisor may revoke or suspend only the particular license with respect to which grounds for revocation or suspension may occur or exist unless the supervisor finds that the grounds for revocation or suspension are of general application to all offices or to more than one office operated by the licensee, in which case, the supervisor may revoke or suspend all of the licenses issued to the licensee.

     (2) A licensee may surrender a license by delivering to the supervisor written notice of surrender, but the surrender does not affect the licensee's civil or criminal liability, if any, for acts committed before the surrender.

     (3) The revocation, suspension, or surrender of a license does not impair or affect the obligation of a preexisting lawful contract between the licensee and a borrower.

     (4) Every license issued under this chapter remains in force and effect until it has been surrendered, revoked, or suspended in accordance with this chapter.  However, the supervisor may on his or her own initiative reinstate suspended licenses or issue new licenses to a licensee whose license or licenses have been revoked if the supervisor finds that the licensee meets all the requirements of this chapter.

 

     NEW SECTION.  Sec. 11.     Every licensee may:

     (1) Lend money at a rate that does not exceed twenty-five percent per annum as determined by the simple interest method of calculating interest owed;

     (2) In connection with the making of a loan, charge the borrower a nonrefundable, prepaid, loan origination fee not to exceed four percent of the first twenty thousand dollars and two percent thereafter of the principal amount of the loan advanced to or for the direct benefit of the borrower, which fee may be included in the principal balance of the loan;

     (3) Agree with the borrower for the payment of fees for title insurance, appraisals, recording, reconveyance, and releasing when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan.  However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender;

     (4) Charge and collect a penalty of ten cents or less on each dollar of any installment payment delinquent ten days or more;

     (5) Make open-end loans as provided in this chapter;

     (6) Charge and collect a fee for dishonored checks in an amount approved by the supervisor; and

     (7) In accordance with Title 48 RCW, sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower.

 

     NEW SECTION.  Sec. 12.     (1) As used in this section, "open-end loan" means an agreement between a licensee and a borrower that expressly states that the loan is made in accordance with this chapter and that provides that:

     (a) A licensee may permit the borrower to obtain advances of money from the licensee from time to time, or the licensee may advance money on behalf of the borrower from time to time as directed by the borrower;

     (b) The amount of each advance and permitted charges and costs are debited to the borrower's account, and payments and other credits are credited to the same account;

     (c) The charges are computed on the unpaid principal balance, or balances, of the account from time to time; and

     (d) The borrower has the privilege of paying the account in full at any time without prepayment penalty or, if the account is not in default, in monthly installments of fixed or determinable amounts as provided in the agreement.

     (2) Interest charges on an open-end loan shall not exceed twenty-five percent per annum computed in each billing cycle by any of the following methods:

     (a) By converting the annual rate to a daily rate, and multiplying the daily rate by the daily unpaid principal balance of the account, in which case each daily rate is determined by dividing the annual rate by three hundred sixty-five;

     (b) By multiplying a monthly rate by the average daily unpaid principal balance of the account in the billing cycle, in which case the monthly rate is one-twelfth of the annual rate, and the average daily unpaid principal balance is the sum of the amount unpaid each day during the cycle divided by the number of days in the cycle; or

     (c) By converting the annual rate to a daily rate, and multiplying the daily rate by the average daily unpaid principal balance of the account in the billing cycle, in which case the daily rate is determined by dividing the annual rate by three hundred sixty-five, and the average daily unpaid principal balance is the sum of the amount unpaid each day during the cycle divided by the number of days in the cycle.

     For all of the methods of computation specified in this subsection, the billing cycle shall be monthly, and the unpaid principal balance on any day shall be determined by adding to the balance unpaid, as of the beginning of that day, all advances and other permissible amounts charged to the borrower, and deducting all payments and other credits made or received that day.  A billing cycle is considered monthly if the closing date of the cycle is on the same date each month, or does not vary by more than four days from that date.

     (3) In addition to the charges permitted under subsection (2) of this section, the licensee may contract for and receive an annual fee, payable each year in advance, for the privilege of opening and maintaining an open-end loan account.  Except as prohibited or limited by this section, the licensee may also contract for and receive on an open-end loan any additional charge permitted by this chapter on other loans, subject to the conditions and restrictions otherwise pertaining to those charges.

     (4)(a) If credit life or disability insurance is provided, and if the insured dies or becomes disabled when there is an outstanding open-end loan indebtedness, the insurance must be sufficient to pay the total balance of the loan due on the date of the borrower's death in the case of credit life insurance, or all minimum payments that become due on the loan during the covered period of disability in the case of credit disability insurance.  The additional charge for credit life insurance or credit disability insurance shall be calculated in each billing cycle by applying the current monthly premium rate for the insurance, as permitted by the insurance commissioner, to the unpaid balances in the borrower's account, using any of the methods specified in subsection (2) of this section for the calculation of interest; and

     (b) The licensee shall not cancel credit life or disability insurance written in connection with an open-end loan because of delinquency of the borrower in the making of the required minimum payments on the loan, unless one or more of the payments is past due for a period of ninety days or more; and the licensee shall advance to the insurer the amounts required to keep the insurance in force during that period, which amounts may be debited to the borrower's account.

     (5) A security interest in real or personal property may be taken to secure an open-end loan.  Any such security interest may be retained until the open-end account is terminated.  The security interest shall be promptly released if (a) there has been no outstanding balance in the account for twelve months and the borrower either does not have or surrenders the unilateral right to create a new outstanding balance; or (b) the account is terminated at the borrower's request and paid in full.

     (6) The licensee may from time to time increase the rate of interest being charged on the unpaid principal balance of the borrower's open-end loans if the licensee mails or delivers written notice of the change to the borrower at least thirty days before the effective date of the increase unless the increase has been earlier agreed to by the borrower.  However, the borrower may choose to terminate the open-end account and the licensee shall allow the borrower to repay the unpaid balance incurred before the effective date of the rate increase upon the existing open-end loan account terms and interest rate unless the borrower incurs additional debt on or after the effective date of the rate increase or otherwise agrees to the new rate.

     (7) The licensee shall deliver a copy of the open-end loan agreement to the borrower at the time the open-end account is created.  The agreement must contain the name and address of the licensee and of the principal borrower, and must contain such specific disclosures as may be required by rule of the supervisor.  In adopting the rules the supervisor shall consider Regulation Z promulgated by the board of governors of the federal reserve system under the federal Consumer Credit Protection Act.

     (8) Except in the case of an account that the licensee deems to be uncollectible, or with respect to which delinquency collection procedures have been instituted, the licensee shall deliver to the borrower at the end of each billing cycle in which there is an outstanding balance of more than one dollar in the account, or with respect to which interest is imposed, a periodic statement in the form required by the supervisor.  In specifying such form the supervisor shall consider Regulation Z promulgated by the board of governors of the federal reserve system under the federal Consumer Credit Protection Act.

 

     NEW SECTION.  Sec. 13.     (1) No licensee may make a loan with a repayment period greater than six years and fifteen days after the loan origination date except for open-end loans or loans secured by real estate or personal property used as a residence.

     (2) No licensee may make a loan using any method of calculating interest other than the simple interest method; except that the add-on method of calculating interest may be used for a loan not secured by real property or personal property used as a residence when the repayment period does not exceed three years and fifteen days after the loan origination date.

     (3) No licensee may make a loan secured by real estate in an amount in excess of ninety percent of the value of such real estate and improvements, including all prior liens against the property.

     (4) No licensee may make a loan using the add-on method to calculate interest that does not provide for a refund to the borrower or a credit to the borrower's account of any unearned interest when the loan is repaid before the original maturity date in full by cash, by a new loan, by refinancing, or otherwise before the final due date.  The refund must be calculated using the actuarial method, unless a sum equal to two or more installments has been prepaid and the account is not in arrears and continues to be paid ahead, in which case the interest on the account must be recalculated by the simple interest method with the refund of unearned interest made as if the loan had been made using the simple interest method.  When computing an actuarial refund, the lender may round the annual rate used to the nearest quarter of one percent.

     In computing a required refund of unearned interest, a prepayment made on or before the fifteenth day after the scheduled payment date is deemed to have been made on the payment date preceding the prepayment.  In the case of prepayment before the first installment due date, the company may retain an amount not to exceed one-thirtieth of the first month's interest charge for each day between the origination date of the loan and the actual date of prepayment.

     (5) No licensee may provide credit life or disability insurance in an amount greater than that required to pay off the total balance owing on the date of the borrower's death net of refunds in the case of credit life insurance, or all minimum payments that become due on the loan during the covered period of disability in the case of credit disability insurance.  The lender may not require any such insurance.

     (6) Except in the case of loans by mail, where the borrower has sufficient time to review papers before returning them, no licensee may prepare loan papers in advance of the loan closing without having reviewed with the borrower the terms and conditions of the loan to include the type and amount of insurance, if any, requested by the borrower.

 

     NEW SECTION.  Sec. 14.     No licensee may advertise, print, display, publish, distribute, or broadcast or cause or permit to be advertised, printed, displayed, published, distributed, or broadcast, in any manner whatsoever, any statement or representation with regard to the rates, terms, or conditions for the lending of money that is false, misleading, or deceptive.

 

     NEW SECTION.  Sec. 15.     For the purpose of discovering violations of this chapter or securing information lawfully required under this chapter, the supervisor may at any time, either personally or by a designee, investigate the loans and business and examine, wherever located, the books, accounts, records, and files used in the business of every licensee and of every person who is engaged in the business described in section 3 of this act, whether the person acts or claims to act as principal or agent, or under or without the authority of this chapter.  For that purpose the supervisor and designated representative shall have free access to the offices and places of business, books, accounts, papers, records, files, safes, and vaults of all such persons.  The supervisor and persons designated by the supervisor may require the attendance of and examine under oath all persons whose testimony may be required about the loans or the business or the subject matter of any investigation, examination, or hearing.  The supervisor shall make such an examination of the affairs, business, office, and records of each licensee at least once each eighteen months.  The licensee so examined shall pay to the supervisor the actual cost of examining and supervising each licensed place of business.

 

     NEW SECTION.  Sec. 16.     The licensee shall keep and use in the  business such books, accounts, and records as will enable the supervisor to determine whether the licensee is complying with this chapter and with the rules adopted by the supervisor under this chapter.  The supervisor shall have free access to such books, accounts, and records wherever located.  Every licensee shall preserve the books, accounts, and records for at least two years after making the final entry on any loan recorded in them.

     Each licensee shall on or before the first day of March each year file a report with the supervisor giving such relevant information as the supervisor reasonably may require concerning the business and operations during the preceding calendar year of each licensed place of business conducted by the licensee within the state.  The report must be made under oath and must be in the form prescribed by the supervisor, who shall make and publish annually an analysis and recapitulation of the reports.

 

     NEW SECTION.  Sec. 17.     (1) The supervisor has the power, and broad administrative discretion, to administer and interpret this chapter to facilitate the delivery of financial services to the citizens of this state by loan companies subject to this chapter.  The supervisor shall adopt all rules necessary to ensure complete and full disclosure by licensees of lending transactions governed by this chapter.

     (2) If it appears to the supervisor that a licensee is conducting business in an injurious manner or is violating any provision of this chapter, the supervisor may direct the discontinuance of any such injurious or illegal practice.

 

     NEW SECTION.  Sec. 18.     (1) Every licensee that fails to file a report that is required to be filed by this chapter within the time required under this chapter is subject to a penalty of fifty dollars per day for each day's delay.  The attorney general may bring a civil action in the name of the state for recovery of any such penalty.

     (2) A person who violates, or knowingly aids or abets the violation of any provision of this chapter for which no penalty has been prescribed, and a person who fails to perform any act that it is made his or her duty to perform under this chapter and for which failure no penalty has been prescribed, is guilty of a gross misdemeanor.  No person who has been convicted for the violation of the banking laws of this state or of the United States may be permitted to engage in the business, or become an officer or official, of any licensee in this state.

     (3) No provision imposing civil penalties or criminal liability under this chapter or rule adopted under this chapter applies to an act taken or omission made in good faith in conformity with a written notice, interpretation, or examination report of the supervisor or his or her agent.

 

     NEW SECTION.  Sec. 19.     All rules adopted under or to implement the provisions of law repealed by sections 23 and 24 of this act remain in effect until amended or repealed by the supervisor.

 

     NEW SECTION.  Sec. 20.     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 of the provision to other persons or circumstances is not affected.

 

     NEW SECTION.  Sec. 21.     This chapter shall be known as the Consumer Loan Act.

 

     NEW SECTION.  Sec. 22.     Sections 1 through 21 of this act are added to chapter 31.04 RCW.

 

     NEW SECTION.  Sec. 23.     The following acts or parts of acts are each repealed:

     (1) RCW 31.04.010 and 1941 c 19 s 1, 1925 ex.s. c 186 s 1, & 1923 c 172 s 1;

     (2) RCW 31.04.030 and 1923 c 172 s 2;

     (3) RCW 31.04.040 and 1982 c 10 s 4;

     (4) RCW 31.04.050 and 1981 c 302 s 21 & 1923 c 172 s 4;

     (5) RCW 31.04.060 and 1925 ex.s. c 186 s 2 & 1923 c 172 s 6;

     (6) RCW 31.04.070 and 1981 c 302 s 22 & 1923 c 172 s 5;

     (7) RCW 31.04.080 and 1941 c 19 s 2, 1939 c 95 s 3, 1925 ex.s. c 186 s 3, & 1923 c 172 s 7;

     (8) RCW 31.04.090 and 1988 c 7 s 1, 1985 c 74 s 1, 1981 c 312 s 2, 1941 c 19 s 3, 1939 c 95 s 2, 1925 ex.s. c 186 s 4, & 1923 c 172 s 8;

     (9) RCW 31.04.095 and 1985 c 74 s 3;

     (10) RCW 31.04.100 and 1988 c 7 s 2, 1985 c 74 s 2, 1981 c 312 s 3, 1941 c 19 s 4, 1939 c 95 s 3, 1925 ex.s. c 186 s 5, & 1923 c 172 s 9;

     (11) RCW 31.04.110 and 1923 c 172 s 10;

     (12) RCW 31.04.120 and 1925 ex.s. c 186 s 6 & 1923 c 172 s 11;

     (13) RCW 31.04.130 and 1941 c 19 s 5, 1925 ex.s. c 186 s 7, & 1923 c 172 s 12;

     (14) RCW 31.04.140 and 1981 c 312 s 4 & 1923 c 172 s 14;

     (15) RCW 31.04.150 and 1981 c 312 s 5, 1941 c 19 s 6, & 1923 c 172 s 15;

     (16) RCW 31.04.160 and 1988 c 25 s 2 & 1923 c 172 s 16;

     (17) RCW 31.04.200 and 1923 c 172 s 17;

     (18) RCW 31.04.210 and 1925 ex.s. c 186 s 8 & 1923 c 172 s 18;

     (19) RCW 31.04.220 and 1981 c 312 s 6 & 1923 c 172 s 19;

     (20) RCW 31.04.230 and 1923 c 172 s 20;

     (21) RCW 31.04.250 and 1939 c 95 s 4 & 1923 c 172 s 24; and

     (22) RCW 31.04.260 and 1923 c 172 s 13.

 

     NEW SECTION.  Sec. 24.     The following acts or parts of acts are each repealed:

     (1) RCW 31.08.010 and 1988 c 25 s 3 & 1941 c 208 s 1;

     (2) RCW 31.08.020 and 1977 ex.s. c 150 s 1, 1959 c 212 s 1, & 1941 c 208 s 2;

     (3) RCW 31.08.030 and 1979 c 18 s 5, 1977 ex.s. c 150 s 2, 1959 c 212 s 2, & 1941 c 208 s 3;

     (4) RCW 31.08.050 and 1977 ex.s. c 150 s 3 & 1941 c 208 s 4;

     (5) RCW 31.08.060 and 1941 c 208 s 5;

     (6) RCW 31.08.070 and 1979 c 18 s 6, 1977 ex.s. c 150 s 4, & 1941 c 208 s 6;

     (7) RCW 31.08.080 and 1977 ex.s. c 150 s 5 & 1941 c 208 s 7;

     (8) RCW 31.08.090 and 1977 ex.s. c 150 s 6 & 1941 c 208 s 8;

     (9) RCW 31.08.100 and 1988 c 25 s 4 & 1941 c 208 s 9;

     (10) RCW 31.08.130 and 1959 c 212 s 3 & 1941 c 208 s 10;

     (11) RCW 31.08.140 and 1941 c 208 s 11;

     (12) RCW 31.08.150 and 1977 ex.s. c 150 s 7, 1959 c 212 s 4, & 1941 c 208 s 12;

     (13) RCW 31.08.160 and 1983 c 227 s 1, 1979 c 18 s 3, 1977 ex.s. c 150 s 8, 1959 c 212 s 5, & 1941 c 208 s 13;

     (14) RCW 31.08.170 and 1983 c 227 s 2, 1959 c 212 s 6, & 1941 c 208 s 14;

     (15) RCW 31.08.173 and 1977 ex.s. c 150 s 9 & 1959 c 212 s 10;

     (16) RCW 31.08.175 and 1979 c 18 s 4, 1975 1st ex.s. c 266 s 1, & 1959 c 212 s 11;

     (17) RCW 31.08.180 and 1977 ex.s. c 150 s 10, 1959 c 212 s 7, & 1941 c 208 s 15;

     (18) RCW 31.08.190 and 1977 ex.s. c 150 s 11, 1959 c 212 s 8, & 1941 c 208 s 16;

     (19) RCW 31.08.200 and 1977 ex.s. c 150 s 12, 1967 c 180 s 1, 1959 c 212 s 9, & 1941 c 208 s 17;

     (20) RCW 31.08.210 and 1941 c 208 s 18;

     (21) RCW 31.08.220 and 1971 ex.s. c 37 s 1 & 1941 c 208 s 19;

     (22) RCW 31.08.230 and 1988 c 25 s 5 & 1941 c 208 s 20;

     (23) RCW 31.08.240 and 1941 c 208 s 21;

     (24) RCW 31.08.250 and 1941 c 208 s 22;

     (25) RCW 31.08.260 and 1988 c 202 s 31, 1971 c 81 s 81, & 1941 c 208 s 23;

     (26) RCW 31.08.270 and 1979 c 18 s 1 & 1941 c 208 s 24;

     (27) RCW 31.08.900 and 1941 c 208 s 25;

     (28) RCW 31.08.910 and 1941 c 208 s 26;

     (29) RCW 31.08.911 and 1959 c 212 s 12; and

     (30) RCW 31.08.920 and 1979 c 18 s 2 & 1941 c 208 s 27.

 

     NEW SECTION.  Sec. 25.     (1) Sections 1 through 23 of this act shall take effect January 1, 1992, but the supervisor shall take such steps and adopt such rules as are necessary to implement this act by that date.

     (2) Section 24 of this act shall take effect January 1, 1993.


     Passed the House March 13, 1991.

     Passed the Senate April 17, 1991.

Approved by the Governor May 16, 1991.

     Filed in Office of Secretary of State May 16, 1991.