(1) It is a violation of this chapter for any person subject to this chapter to:

     (a) Directly or indirectly employ any scheme, device, or artifice to defraud or mislead any borrower, to defraud or mislead any lender, or to defraud or mislead any person;

     (b) Directly or indirectly engage in any unfair or deceptive practice toward any person;

     (c) Directly or indirectly obtain property by fraud or misrepresentation; and

     (d) Make a small loan to any person physically located in Washington through use of the internet, facsimile, telephone, kiosk, or other means without first obtaining a small loan endorsement.

     (2) In addition to any other penalties, any transaction in violation of subsection (1) of this section is uncollectible and unenforceable.

[2007 c 81 § 1.]