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Laws and Rules
(RCW and WAC)

To view laws and rules for the Department of Financial Institutions and each of its divisions, use the links below.

For new or changing rules, view our Rulemaking Activity page.

Statutory Authority

The Department of Financial Institutions (DFI) was established in October 1993 by RCW 43.320.

RCW 43.320

Department of Financial Institutions.

RCW 11	Probate and Trust Law.
RCW 30	Banks and Trust Companies.
RCW 31.24	Industrial Development Corporations.
RCW 31.35	Agricultural Lenders, Loan Guaranty Program.
RCW 31.40	Federally Guaranteed Small Business Loans.
RCW 32	Mutual Savings Banks.
RCW 33	Savings and Loan Associations.

WAC 208-512	Banks and Trust Companies.
WAC 208-514	Mutual Savings Banks.
WAC 208-528	New State Banks and Trust Companies - Application and Investigation.
WAC 208-532	Establishment of Alien Banks in Washington -- Procedure.
WAC 208-536	Administration of Trust Companies -- Investments, Etc.
WAC 208-544	Schedule of Costs of Examinations.
WAC 208-548	Acquisition of Banks, Trust Companies, National Banking Associations of Bank Holding Companies by Out-of-State Bank Holding Companies.
WAC 208-556	Small Business Administration 7(A) Loan Guaranty Program Nondepository Lenders -- Licensing and Regulation.
WAC 208-586	Examination and Supervision Fees for Savings and Loan Associations.
WAC 208-590	Merger or Acquisition of Troubled Associations.
WAC 208-594	Savings and Loan Trust Powers.
WAC 208-598	Foreign Association Branch Application Procedures.

RCW 18.44	Escrow Agent Registration Act. (This program was transferred to the Division of Consumer Services July 1, 2006.)
RCW 19.146	Mortgage Broker Practices Act. See: DFI Adopts CSBS/AARMR Guidance on Nontraditional Mortgage Product Risks
RCW 19.230	Uniform Money Services Act.
RCW 19.265	Tax Refund Anticipation Loan Act.
RCW 19.52	WA State Interest - Usury Laws. See: Guide to Interest Rates in Washington
RCW 31.04	Consumer Loan Act.
RCW 31.45	Check Cashers and Sellers Act.
RCW 43.320.140	Mortgage Fraud Prosecution Account.

WAC 208-620	Washington Consumer Loan Act (Formerly chapter 50-20 WAC)
WAC 208-630	Check cashers and sellers -- Regulation of.
WAC 208-660	Mortgage brokers and loan originators -- Licensing.
WAC 208-680A	Escrow -- Organization and administration.
WAC 208-680B	Escrow -- Licensing and examination.
WAC 208-680C	Escrow -- Escrow agent office.
WAC 208-680D	Escrow -- Records and responsibilities.
WAC 208-680E	Escrow -- Trust account procedures.
WAC 208-680F	Escrow -- Financial responsibility.
WAC 208-680G	Escrow -- Examinations, investigations, enforcement, sanctions, and costs.
WAC 208-690	Regulation of money services providers.

RCW 31.12	Washington State Credit Union Act.
RCW 31.13	Corporate Credit Unions Act.

WAC 208-418	Fees charged to credit unions and other persons.
WAC 208-424	Regulatory relief for small credit unions.
WAC 208-436	Rules governing supervisory approval of credit union investment practices.
WAC 208-440	Credit union participation in commercial arrangements with third parties.
WAC 208-444	Miscellaneous credit union rules.
WAC 208-460	Member business loans.
WAC 208-472	Credit union field of membership.

RCW 21.20	Securities Act of Washington.
RCW 19.100	Franchise Investment Protection Act.
RCW 19.110	Business Opportunity Fraud Act.
RCW 21.30	Commodity Transactions Act.

WAC 460-10A	Definitions.
WAC 460-11A	Multijurisdictional disclosure system.
WAC 460-12A	Fraudulent and other prohibited practices.
WAC 460-16A	General rules.
WAC 460-17A	Small company offering registration.
WAC 460-18A	Notice filings for federal covered securities.
WAC 460-20B	Broker-dealer registration.
WAC 460-21B	Broker-dealer practices.
WAC 460-21C	Broker-dealer services at financial institutions.
WAC 460-22B	Salespersons of broker-dealers.
WAC 460-23B	Salespersons for issuers.
WAC 460-24A	Investment advisers.
WAC 460-28A	Advertisements.
WAC 460-32A	Real estate related securities programs.
WAC 460-33A	Regulations concerning securities involving mortgages, trust deeds or property sales contracts.
WAC 460-42A	Exempt securities.
WAC 460-44A	Exempt transactions.
WAC 460-52A	Nonprofit organizations.
WAC 460-60A	Financial statements and reports -- Contents and filing requirements.
WAC 460-64A	Capital requirements -- Definitions.