WAC 208-620-556
WAC 208-620-556. What fees must I refund to the borrower if I provide services subject to the act but do not have a license?
(1) With residential mortgage loans you must refund any nonthird-party fees (not interest) that inured to your benefit.
(2) With nonresidential mortgage loans you must refund interest and nonthird-party fees that inured to your benefit.