On this page
| Disclosure law | None in force |
|---|---|
| Broker registration | None |
| State calling statute | Yes |
The other state where the phone is the risk. Washington rewrote its solicitation statute to add a private right of action and raise damages, using a definition of commercial solicitation that sweeps in more outreach than the federal rule does.
No disclosure law
Washington is not one of the ten states requiring a standardised commercial financing disclosure. The full list is on the hub page.
Calling into Washington
The Commercial Telephone Solicitation Act, as amended, provides a private right of action with statutory damages reaching $1,000 per violation for repeat conduct. The definition of a commercial solicitation is broader than the federal TCPA’s.
What changes for a broker
- Damages scale with repetition, which changes the calculus on follow-up cadence specifically rather than on first contact.
- The broader solicitation definition means a call that is plainly outside the federal TCPA can still be inside this statute.
- As in Florida and Oklahoma, the defensible position is a documented consent record for every number — the form as the merchant saw it, the timestamp, the IP and the URL.
What Washington files look like
Technology services, logistics around the Puget Sound ports, agriculture in the eastern half of the state, construction, and a strong independent restaurant and coffee sector. Seasonality in the agricultural files is pronounced.
Questions
Does Washington regulate merchant cash advances?
Not through a commercial financing disclosure law — Washington has not enacted one. Washington has no commercial financing disclosure law, but its Commercial Telephone Solicitation Act carries a private right of action and damages of up to $1,000 per violation.
Do I need to register to broker MCAs in Washington?
Washington has no commercial-financing-specific registration or licence for brokers. General business licensing applies as it would to any company operating there.
Can I cold call businesses in Washington?
The Commercial Telephone Solicitation Act, as amended, provides a private right of action with statutory damages reaching $1,000 per violation for repeat conduct. The definition of a commercial solicitation is broader than the federal TCPA’s.
Whichever state you are dialling, what protects you is the consent record rather than an assurance from a vendor. That is covered in the compliance guide.
Do you sell MCA leads in Washington?
Yes. Every lead clears the same six minimums wherever the merchant is — $30K+ monthly revenue, $15K+ requested, six months trading, four months of statements available, U.S.-based, and mobile-verified by a 6-digit code. $60 per lead, in packs starting at 50. We can filter your leads by state, which is a real risk control in Washington if you are concerned about the calling rules.