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Consumer Loan Companies

Consumer loan companies doing business in Washington State must be licensed with DFI's Division of Consumer Services.

Call Center Hours
Our call center hours are Monday - Friday 11:00 AM to 5:00 PM (Pacific Standard Time). Call us at (877) RING DFI (746-4334). Or email us at dcs@dfi.wa.gov.

Receive News and Updates Via Email
The Division of Consumer Services also sends out news and updates via email ListServs. To have updates sent directly to your email inbox, sign up for the Consumer Loan Company ListServ.

Quick Links for Consumer Loan Companies

News & Updates Apply For A License Applications & Forms Annual Assessment Bond Requirements	Loan Originator Licensing Loan Servicers Loan Modification Services Interpretive Statements
Examinations Rulemaking Activity Laws & Rules	ListServ Resources

Featured News and Information

All Consumer Loan News Subscribe To Email Updates

Spring 2013 Newsletter
The Division of Consumer Services Spring 2013 newsletter is now available.
- Spring 2013 Newsletter
New Resources: Quick Guide to Consumer Loan Act and Rules
We have published two new guides to help industry navigate the Consumer Loan Act and rules.
- Consumer Loan Act Resources
Online Consumer Loan Annual Assessment System Now Available
The electronic system for filing your 2012 Consumer Loan Annual Assessment Reports is now available. Annual assessment reports are due to DFI on April 1, 2013.
- Electronic Annual Assessment System
Rulemaking: Rules Adopted Increasing Prelicensing Education Hours by Two Additional Hours
DFI has adopted rules increasing the number of prelicensing education hours required for mortgage loan originators prior to licensing. The addition of two hours brings the total number of hours specific to Washington law to four.
- Rulemaking Documents and Information
New SAFE MLO Test with Uniform State Component to Start April 1
The Conference of State Bank Supervisors (CSBS) has announced that a new National SAFE MLO Test with a uniform state component will be available on April 1, 2013. With the implementation of this new test, Washington will no longer require a second, state-specific test component to be taken by mortgage loan originators (MLOs) seeking licensure.
- Announcement from CSBS
FinCEN's AML Program Requirement
FinCEN requires non-depository residential mortgage lenders and originators (“RMLO”) to establish an anti-money laundering program (“AML Program”) and file suspicious activity reports (“SARs”). The guidelines relating to the AML Program requirement became effective on April 16, 2012, and the AML Program’s effective compliance date is August 13, 2012.
- AML Program Requirement Information

Short Sales Guidance

Guidance to licensees providing services in short sale transactions from DFI and the Washington Department of Licensing.

Laws & Rules

Usury Law
(RCW 19.52)
Mortgage Lending & Homeownership Law
(RCW 19.144)
Mortgage Lending & Homeownership Rules
(WAC 208-600)

Newsletters

Contact Us

Our office hours are 8 am - 5 pm PST. (Monday-Friday) Our call center hours are 11 am - 5 pm PST.

Phone:	(360) 902-8703	Toll Free:	1-877 RING DFI (746-4334)
Fax:	(360) 664-2258	Email:	dcs@dfi.wa.gov

Mailing Address

For U.S. Postal Service:
Department of Financial Institutions
Division of Consumer Services
PO Box 41200
Olympia WA 98504-1200

For Overnight Delivery:
Department of Financial Institutions
Division of Consumer Services
150 Israel Rd SW
Tumwater WA 98501

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