{"data":{"id":"us-wa/rcw-31.04.035","jurisdiction":"us-wa","citation":"RCW 31.04.035","heading":"License required—When violation occurs.","body":"(1) No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter.\n(2) If a transaction violates subsection (1) of this section, any:\n(a) Nonthird-party fees charged in connection with the origination of the residential mortgage loan must be refunded to the borrower, excluding interest charges; and\n(b) Loan that is not a residential mortgage loan is null, void, uncollectable, and unenforceable.\n(3) The director's obligations or duties under chapter 62, Laws of 2018 are subject to section 21, chapter 62, Laws of 2018.","path":["Title 31","Chapter 31.04"],"source_url":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035","current_through":"July 15, 2026","vintage":"","retrieved_at":"2026-09-06T01:25:29Z","sha256":"c9037e861d0871f03b945729e831f65b03e4cdc686090d8914acaad1f6093514","source_id":"us-wa","stale":false,"prev":"us-wa/rcw-31.04.027","next":"us-wa/rcw-31.04.045"},"notice":"GroundRules: Original legal text. Not legal advice."}