Err, why would a mandatory warranty be paid? Under current US law statue of limitations is for 4 years, and in a few states the seller is unable to disclaim any implied merchantability or suitability for a particular purpose.

So, effectively, all warranties are 4 years. But you have to go to at least small claims court.

Also, if the defect is within 30-90 days, you don't need to do an RMA regardless of what the seller and manufacturer say. The person who took your money has to take it back.