California 20252026 Regular Session Status: Introduced 1 D cosponsors

SB 706 — Consumer debt: charged-off debts.

Last action — Returned to Secretary of Senate pursuant to Joint Rule 56.

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  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed Assembly
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced February 21, 2025. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Stalled 12% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • Introduced

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 D).

  • Mixed recorded votes

    1 passed, 1 failed in recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Existing law places various requirements on, and prohibits certain actions by, debt buyers with respect to charged-off consumer debts. This bill would prohibit a charged-off consumer debt from being sold or assigned more than one year after the debt was charged off. The bill would require a charge-off creditor to notify the consumer when the creditor sells or assigned a charged-off consumer debt to a debt buyer. Existing law prescribes various time periods for the commencement of actions other than for the recovery of real property, including within 4 years for an action upon any contract, obligation, or liability founded upon an instrument in writing, as specified. This bill would prohibit an action from being brought to recover a charged-off consumer debt on or after the date that is the earliest of specified dates. The bill would prohibit a debt buyer from bringing an action to recover a charged-off consumer debt after one year from the date the debt was charged off.

Bill Text

Action History

  1. Returned to Secretary of Senate pursuant to Joint Rule 56.

  2. April 30 hearing postponed by committee.

  3. April 22 set for first hearing. Failed passage in committee. (Ayes 1. Noes 2. Page 837.) Reconsideration granted.

  4. Set for hearing April 30 in B. & F.I. pending receipt.

  5. Set for hearing April 22.

  6. Re-referred to Coms. on JUD. and B. & F.I.

  7. From committee with author's amendments. Read second time and amended. Re-referred to Com. on RLS.

  8. Referred to Com. on RLS.

  9. Read first time.

  10. From printer. May be acted upon on or after March 24.

  11. Introduced. To Com. on RLS. for assignment. To print.

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 121 not signed on · 2 voted No

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (121)

121 members have not signed on to this bill.

Show all 121 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Do pass, but first be re-referred to the Committee on [Banking and Financial Institutions]

Failed 1 Yea · 2 Nay · 10 Other
Party YeaNayPresentNot Voting
Democratic 10010
Republican 0200
Total 12010
% of votes cast 8%15%0%77%
How each member voted (13)
Member Party Vote
Allen, Benjamin Democratic Yea
Arreguín, Jesse Democratic Not Voting
Ashby, Angelique V. Democratic Not Voting
Caballero, Anna M. Democratic Not Voting
Durazo, Maria Elena Democratic Not Voting
Laird, John Democratic Not Voting
Stern, Henry I. Democratic Not Voting
Umberg, Thomas J. Democratic Not Voting
Wahab, Aisha Democratic Not Voting
Weber Pierson, M.D., Akilah Democratic Not Voting
Wiener, Scott D. Democratic Not Voting
Niello, Roger W. Republican Nay
Valladares, Suzette Martinez Republican Nay

Official roll call →

[First] hearing set for [04-22-2025]: Failed passage in Committee. Reconsideration granted

Passed 13 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democratic 11000
Republican 2000
Total 13000
% of votes cast 100%0%0%0%
How each member voted (13)
Member Party Vote
Allen, Benjamin Democratic Yea
Arreguín, Jesse Democratic Yea
Ashby, Angelique V. Democratic Yea
Caballero, Anna M. Democratic Yea
Durazo, Maria Elena Democratic Yea
Laird, John Democratic Yea
Stern, Henry I. Democratic Yea
Umberg, Thomas J. Democratic Yea
Wahab, Aisha Democratic Yea
Weber Pierson, M.D., Akilah Democratic Yea
Wiener, Scott D. Democratic Yea
Niello, Roger W. Republican Yea
Valladares, Suzette Martinez Republican Yea

Official roll call →

Subjects

finance civil-rights agriculture
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB 706 do?
Existing law places various requirements on, and prohibits certain actions by, debt buyers with respect to charged-off consumer debts. This bill would prohibit a charged-off consumer debt from being sold or assigned more than one year after the debt was charged off. The bill would require a charge-off creditor to notify the consumer when the creditor sells or assigned a charged-off consumer debt to a debt buyer. Existing law prescribes various time periods for the commencement of actions other than for the recovery of real property, including within 4 years for an action upon any contract, obligation, or liability founded upon an instrument in writing, as specified. This bill would prohibit an action from being brought to recover a charged-off consumer debt on or after the date that is the earliest of specified dates. The bill would prohibit a debt buyer from bringing an action to recover a charged-off consumer debt after one year from the date the debt was charged off.
Who sponsors SB 706?
SB 706 is sponsored by Hurtado, Melissa (Democratic).
What is the current status of SB 706?
This bill has been introduced in the Senate. Introduced February 21, 2025. It must pass committee before a floor vote.
Where can I track SB 706?
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Last checked for changes 3 months ago · updated continuously

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