Washington 2025-2026 Regular Session Status: Passed Senate 11 D cosponsors

SB 5331 — Strengthening consumer protection through increased insurer accountability for violations of the insurance code.

Last action — By resolution, returned to Senate Rules Committee for third reading.

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

This bill has passed the Senate. Introduced January 17, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the House.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 58% · moderate confidence

  • Passed Senate

    Current position in the legislative process.

  • 11 sponsors

    1 primary, 10 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (11 D).

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

What changed in the latest version

34 added · 52 removed

Plain-language change summary

The recent amendment to SB 5331 introduces specific provisions for the payment of restitution by regulated individuals in the insurance sector. Now, restitution can include a broader range of damages, with an emphasis on ensuring timely payments within 30 days and interest calculated from when the obligation arose. This change matters because it clarifies and strengthens the financial accountability of insurers, ensuring that individuals awaiting restitution receive the money they are owed more quickly and with fair interest.

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S-1442.1 SUBSTITUTE SENATE BILL 5331 State of Washington 69th Legislature 2025 Regular Session By Senate Business, Financial Services & Trade (originally sponsored by Senators Cortes, Frame, Hasegawa, Kauffman, Lovelett, Lovick, Nobles, Orwall, Stanford, Trudeau, and C.
Z-0285.2 SENATE BILL 5331 State of Washington 69th Legislature 2025 Regular Session By Senators Cortes, Frame, Hasegawa, Kauffman, Lovelett, Lovick, Nobles, Orwall, Stanford, Trudeau, and C.
by request of Insurance Commissioner) READ FIRST TIME 02/20/25.
by request of Insurance Commissioner Read first time 01/17/25.
Referred to Committee on Business, Financial Services & Trade.
1 SSB 5331 (c) Order the payment of restitution as provided in subsection (5) of this section;
1 SB 5331 (c) Order the payment of restitution as provided in subsection (5) of this section;
(5)(a) The commissioner may order payment of restitution after a hearing under Title 34 RCW or with consent of the person owing the obligation.
(5) The commissioner may order payment of restitution when a person regulated under this code possesses or controls, directly or indirectly, such fees, money, funds, or other property that belongs to, is due to, or is owed to another person.
Restitution shall include only demonstrated economic damages due to another person, excluding a provider.
After hearing or with the consent of the person, the commissioner may order such person to pay restitution to any person entitled to restitution in the form of fees, money, funds, or other property.
(b) For purposes of this subsection, the following definitions apply:
(i) "Date the obligation arose" means:
(A) For obligations related to the payment of an insurance claim, 30 days from the date the insurer received all information necessary to determine liability and payment under the policy, unless such investigation cannot reasonably be completed within 30 days;
(B) For obligations related to the payment of premium, the date the premium was charged to the person entitled to restitution;
and (C) For all other obligations, the date the obligation was required to be performed under statute, rule, or contract, or the date the obligated person was first provided written notice of noncompliance;
and (ii) "Provider" means any entity providing a service to the person entitled to restitution under this section including, but not limited to, a health care provider, a restoration or mitigation contractor, or an auto body repair shop.
(c) Nothing in this subsection shall interfere with RCW 48.49.040.
After hearing or with the consent of the insurer and in addition to or in lieu of the suspension, revocation, or refusal to renew any certificate of authority the commissioner may levy a fine upon the p.
After hearing or with the consent of the insurer and in addition to or in lieu of the suspension, revocation, or refusal to renew any certificate of authority the commissioner may levy a fine upon the insurer in an amount not less than ((two hundred fifty dollars)) $250 and not more than ((ten thousand dollars)) $10,000 per violation.
2 SSB 5331 insurer in an amount not less than ((two hundred fifty dollars)) $250 and not more than ((ten thousand dollars)) $10,000 per violation.
3 SSB 5331
2 SB 5331
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Action History

  1. By resolution, returned to Senate Rules Committee for third reading.

  2. First reading, referred to Consumer Protection & Business.

  3. Third reading, passed; yeas, 29; nays, 20; absent, 0; excused, 0.

  4. Placed on third reading by Rules Committee.

  5. By resolution, reintroduced and retained in present status.

  6. By resolution, returned to Senate Rules Committee for third reading.

  7. Executive action scheduled, but the motion to report the bill out of committee on Consumer Protection & Business at 1:30 pm on 4/2/2025 failed.

  8. Executive session, but the motion to report the bill out of the House Committee on Consumer Protection & Business at 1:30 PM failed.

  9. Executive session scheduled, but no action was taken in the House Committee on Consumer Protection & Business at 1:30 PM.

  10. Public hearing in the House Committee on Consumer Protection & Business at 1:30 PM.

  11. First reading, referred to Consumer Protection & Business.

  12. Third reading, passed; yeas, 30; nays, 19; absent, 0; excused, 0.

  13. Rules suspended. Placed on Third Reading.

  14. 1st substitute bill substituted (BTE 25).

  15. Placed on second reading by Rules Committee.

  16. Passed to Rules Committee for second reading.

  17. Minority; without recommendation.

  18. Minority; do not pass.

  19. BFT - Majority; 1st substitute bill be substituted, do pass.

  20. Executive action taken in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.

  21. Public hearing in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.

  22. First reading, referred to Business, Financial Services & Trade.

Sponsors

Sponsorship breakdown

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1 sponsors · 10 co-sponsors · 140 not signed on · 19 voted No

Sponsors (1)

Co-sponsors (10)

Not signed on (140)

140 members have not signed on to this bill.

Show all 140 →

"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

Final Passage (#19)

Passed 29 Yea · 20 Nay
Party YeaNayPresentNot Voting
Democrat 29100
Republican 01900
Total 292000
% of votes cast 59%41%0%0%
How each member voted (49)
Member Party Vote
Adrian Cortes Democrat Yea
Annette Cleveland Democrat Yea
Bob Hasegawa Democrat Yea
Claire Wilson Democrat Yea
Claudia Kauffman Democrat Nay
Deborah Krishnadasan Democrat Yea
Derek Stanford Democrat Yea
Drew Hansen Democrat Yea
Emily Alvarado Democrat Yea
Jamie Pedersen Democrat Yea
Javier Valdez Democrat Yea
Jesse Salomon Democrat Yea
Jessica Bateman Democrat Yea
John Lovick Democrat Yea
June Robinson Democrat Yea
Lisa Wellman Democrat Yea
Liz Lovelett Democrat Yea
Manka Dhingra Democrat Yea
Marcus Riccelli Democrat Yea
Marko Liias Democrat Yea
Mike Chapman Democrat Yea
Noel Frame Democrat Yea
Rebecca Saldaña Democrat Yea
Sharon Shewmake Democrat Yea
Steve Conway Democrat Yea
T'wina Nobles Democrat Yea
Tina Orwall Democrat Yea
Vandana Slatter Democrat Yea
Victoria Hunt Democrat Yea
Yasmin Trudeau Democrat Yea
Chris Gildon Republican Nay
Curtis King Republican Nay
Drew MacEwen Republican Nay
Jeff Holy Republican Nay
Jeff Wilson Republican Nay
Jim McCune Republican Nay
John Braun Republican Nay
Judy Warnick Republican Nay
Keith Goehner Republican Nay
Keith Wagoner Republican Nay
Leonard Christian Republican Nay
Mark Schoesler Republican Nay
Matt Boehnke Republican Nay
Nikki Torres Republican Nay
Paul Harris Republican Nay
Perry Dozier Republican Nay
Phil Fortunato Republican Nay
Ron Muzzall Republican Nay
Shelly Short Republican Nay

Official roll call →

3rd Reading & Final Passage (#8)

Passed 30 Yea · 19 Nay
Party YeaNayPresentNot Voting
Democrat 30000
Republican 01900
Total 301900
% of votes cast 61%39%0%0%
How each member voted (49)
Member Party Vote
Adrian Cortes Democrat Yea
Annette Cleveland Democrat Yea
Bill Ramos Democrat Yea
Bob Hasegawa Democrat Yea
Claire Wilson Democrat Yea
Claudia Kauffman Democrat Yea
Deborah Krishnadasan Democrat Yea
Derek Stanford Democrat Yea
Drew Hansen Democrat Yea
Emily Alvarado Democrat Yea
Jamie Pedersen Democrat Yea
Javier Valdez Democrat Yea
Jesse Salomon Democrat Yea
Jessica Bateman Democrat Yea
John Lovick Democrat Yea
June Robinson Democrat Yea
Lisa Wellman Democrat Yea
Liz Lovelett Democrat Yea
Manka Dhingra Democrat Yea
Marcus Riccelli Democrat Yea
Marko Liias Democrat Yea
Mike Chapman Democrat Yea
Noel Frame Democrat Yea
Rebecca Saldaña Democrat Yea
Sharon Shewmake Democrat Yea
Steve Conway Democrat Yea
T'wina Nobles Democrat Yea
Tina Orwall Democrat Yea
Vandana Slatter Democrat Yea
Yasmin Trudeau Democrat Yea
Chris Gildon Republican Nay
Curtis King Republican Nay
Drew MacEwen Republican Nay
Jeff Holy Republican Nay
Jeff Wilson Republican Nay
Jim McCune Republican Nay
John Braun Republican Nay
Judy Warnick Republican Nay
Keith Goehner Republican Nay
Keith Wagoner Republican Nay
Leonard Christian Republican Nay
Mark Schoesler Republican Nay
Matt Boehnke Republican Nay
Nikki Torres Republican Nay
Paul Harris Republican Nay
Perry Dozier Republican Nay
Phil Fortunato Republican Nay
Ron Muzzall Republican Nay
Shelly Short Republican Nay

Official roll call →

Subjects

public-safety health-insurance
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

Who sponsors SB 5331?
SB 5331 is sponsored by Claire Wilson (Democrat), Yasmin Trudeau (Democrat), Derek Stanford (Democrat), Tina Orwall (Democrat), T'wina Nobles (Democrat), John Lovick (Democrat), Liz Lovelett (Democrat), Claudia Kauffman (Democrat), Bob Hasegawa (Democrat), Noel Frame (Democrat), and Adrian Cortes (Democrat).
What is the current status of SB 5331?
This bill has passed the Senate. Introduced January 17, 2025. It now moves to the second chamber.
Where can I track SB 5331?
Track SB 5331 free on One Click Politics — get push/email alerts when it moves.

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Last checked for changes 3 months ago · updated continuously

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