Wash. Rev. Code » Title 19 · Chapter 19.52
Revised Code of Washington

Wash. Rev. Code § 19.52.034 (2026)

Application of chapter 19.52 RCW to loan or forbearance made outside state

✓ current as of May 2026
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Whenever a loan or forbearance is made outside Washington state to a person then residing in this state the usury laws found in chapter 19.52 RCW, as now or hereafter amended, shall be applicable in all courts of this state to the same extent such usury laws would be applicable if the loan or forbearance was made in this state.
[ 1967 ex.s. c 23 s 3.]

Notes:

Severability—Savings—1967 ex.s. c 23: See notes following RCW 19.52.005.
Notes of Decisions
Cited in 4 cases (1 in the last 5 years), 1981–2023 · leading case: Karpenski v. Am. Gen. Life Companies, LLC, 999 F. Supp. 2d 1218 (W.D. Wash. 2014).
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Karpenski v. Am. Gen. Life Companies, LLC, 999 F. Supp. 2d 1218 (W.D. Wash. 2014). “Furthermore, critical to the Whitaker Court’s analysis was a Washington statutory provision, RCW 19.52.034, which specifically required that Washington’s usury statutes be applied to all loans, whether made within or without the State.”
Whitaker v. Spiegel, Inc., 637 P.2d 235 (Wash. 1981). “RCW 19.52.034. The legislative mandate is clear: In an interstate loan transaction, the Washington courts are not free to engage in conflict of law analysis to determine whether or not the parties' own choice of law provision should apply.”
Golden Horse Farms, Inc. v. Parcher, 629 P.2d 1353 (Wash. Ct. App. 1981). · cites it 4× “More *654 over, Nationwide has not claimed that it falls within the protection of RCW 19.52.034. RCW 19.52.034 calls into question the reliance of the first O'Brien opinion on the "most significant relationship" test in Restatement, supra § 188.”
Johnson v. Peter (W.D. Wash. 2023). · cites it 4× “1981); see also Wash. Rev. Code § 19.52.034 16 (“Whenever a loan or forbearance is made outside Washington state to a person then residing in 17 this state the usury laws .”
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