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.
- Departmental Statutory Authority
- General Rules
- Division of Banks
- Division of Consumer Services
- Division of Credit Unions
- Division of Securities
- Related Laws That DFI Does Not Implement
- Definitions
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. |
General Laws
| RCW 19.144 | Mortgage Lending and Homeownership |
General Rules
| WAC 208-04 | General agency provisions. |
| WAC 208-08 | Adjudicative procedures. |
| WAC 208-12 | Public records. |
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Division of Banks
Laws for Banks
| 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. |
Rules for Banks
| 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. |
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Division of Consumer Services
Laws Implemented by Consumer Services
| RCW 18.44 | Escrow Agent Registration Act. (This program was transferred to the Division of Consumer Services July 1, 2006.) |
| RCW 19.144 |
Mortgage Lending and Homeownership
|
| RCW 19.146 |
Mortgage Broker Practices Act.
|
| RCW 19.230 | Uniform Money Services Act. |
| RCW 19.265 | Tax Refund Anticipation Loan Act. |
| RCW 31.04 | Consumer Loan Act. |
| RCW 31.45 | Check Cashers and Sellers Act. |
Rules Implemented by Consumer Services
| WAC 208-680 | Escrow Agent Registration Act |
| WAC 208-600 | Mortgage Lending and Homeownership |
| WAC 208-660 | Mortgage brokers and loan originators -- Licensing. |
| WAC 208-690 | Regulation of money services providers. |
| WAC 208-620 | Washington Consumer Loan Act (Formerly chapter 50-20 WAC) |
| WAC 208-630 | Check cashers and sellers -- Regulation of. |
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Division of Credit Unions
Laws for Credit Unions
| RCW 31.12 | Washington State Credit Union Act. |
| RCW 31.13 | Corporate Credit Unions Act. |
Rules for Credit Unions
| WAC 208-04 | General Provisions |
| WAC 208-08 | Adjudicative Procedures |
| WAC 208-12 | Public Records |
| WAC 208-418 | Fees Charged to Credit Unions and Related Parties |
| 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 | Credit Union Member Business Loans |
| WAC 208-472 | Credit Union Field of Membership |
| WAC 208-476 | Other Real Estate Owned |
| WAC 208-490 | "Guidance" for Credit Unions |
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Division of Securities
Federal Laws for Securities
- Securities Laws
- National Securities Market Improvement Act of 1996 (PDF)*
- Gramm-Leach-Bliley Act
- Franchise and Business Opportunity Laws
State Laws for Securities
| 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. |
State Rules for Securities
| 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 460-25A | Use of senior designations. |
| 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. |
State Rules for Franchises
| WAC 460-80 | Franchise registration. |
| WAC 460-82 | Franchise broker. |
Securities Registration Exemption Table
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Related Laws That DFI Does Not Implement
| RCW 19.52 |
WA State Interest - Usury Laws.
See: Guide to Interest Rates in Washington |
Definitions
RCW - Revised Code of Washington
WAC - Washington Administrative Code
* This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.
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