SCHULTHEIS, J.
¶ 1 Washington's usury statute does not apply to retail installment sales transactions. RCW 19.52.100, .120. Under the chapter on retail installment sales, the legislature simply provides that the interest rate, or "service charge," in a retail installment contract must not exceed the amount or rate agreed to by contract. RCW 63.14.130(1). However, Washington's Consumer Loan Act (CLA), chapter 31.04 RCW, fixes rates for certain high risk loans...
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