Expanding and funding the foreclosure mediation program.
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SB 5686 — Expanding and funding the foreclosure mediation program.
Last action — Effective date 7/27/2025*.
No card. One bill, free forever — alerts when it moves.
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✓Introduced
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✓In Committee
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✓Passed Senate
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✓Passed House
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✓To Executive
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6Enacted
This bill has been enacted into law. Introduced February 06, 2025. Enacted.
Signed by Governor Bob Ferguson (Democratic) on May 20, 2025.
Prognosis
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
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Enacted
Current position in the legislative process.
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4 sponsors
1 primary, 3 co-sponsors signed on.
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Single-party support
Sponsorship is currently within one party (4 D).
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Cleared a recorded vote
Passed 3 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.
Bill Text
What changed in the latest version
618 added · 652 removedPlain-language change summary
The updated version of Senate Bill 5686 includes a specific reference to the type of notice that must be received by borrowers or unit owners before they can be referred to mediation. This change clarifies that both notices of default and delinquency can trigger a referral to mediation, which may help more individuals resolve their housing issues before facing sale. It also maintains protections for housing counselors by limiting their liability in the assistance they provide. This is important as it encourages more borrowers to seek help without the fear of legal repercussions.
S-1664.1S-1167.2 SUBSTITUTE SENATE BILL 5686 State of Washington 69th Legislature 2025 Regular Session By Senate Housing (originally sponsored by Senators Orwall, Frame, Hasegawa, and Nobles)Nobles READRead FIRSTfirst TIMEtime 02/20/25.02/06/25.
Referred to Committee on Housing.
1 SSBSB 5686 obligations, or the person's successors if they are liable for those obligations under a written agreement with the beneficiary.
2 SSBSB 5686 (((14))) (15) "Senior beneficiary" means the beneficiary of a deed of trust that has priority over any other deeds of trust encumbering the same residential real property.
3 SSBSB 5686 (2) Housing counselors have a duty to act in good faith to assist borrowers or unit owners by:
(3) A housing counselor or attorney assisting a borrower or unit owner may refer the borrower or unit owner to mediation, pursuant to RCW 61.24.163, if the housing counselor or attorney determines that mediation is appropriate based on the individual circumstances and the borrower or unit owner has received a notice of defaultdefault. or notice of delinquency for past due assessments, respectively.
(6) Housing counselors shall provide information to the department to assist the department in its annual report to the legislature as required under RCW 61.24.163(((18))) (22).(19).
The information provided to the department by the housing counselors should include outcomes of foreclosures and be similar to the p.information requested in the national foreclosure mortgage counseling client level foreclosure outcomes report form.
4p. SSB 5686 information requested in the national foreclosure mortgage counseling client level foreclosure outcomes report form.
4 SB 5686 Sec.
The referral to mediation programmay underbe thismade sectionany istime notafter governeda bynotice chapterof 7.07default RCWor andnotice doesof notdelinquency precludefor mediationpast requireddue byassessments ahas courtbeen orissued otherbut provisionno later than 90 days prior to the date of law.sale listed in the notice of trustee's sale.
(2)If Foran deedamended notice of trusttrustee's foreclosure,sale is recorded after the referraltrustee tosale mediationhas maybeen bestayed madepursuant anyto timeRCW after61.24.130, athe noticeborrower ofor defaultunit hasowner beenmay issuedbe butreferred to mediation no later than 9025 days prior to the date of sale listed in the amended notice of trustee's sale.
If an amended notice of trustee's sale is recorded after the trustee sale has been stayed pursuant to RCW 61.24.130, the borrower may be referred to mediation no later than 25 days prior to the date of sale listed in the amended notice of trustee's sale.
((TheThe mediation program under this section is not governed by chapter 7.07 RCW and does not preclude mediation required by a court or other provision of law.
(2)))(2) (3)A Forhousing associationcounselor foreclosuresor undertakenattorney pursuantreferring toa RCWborrower 64.90.485,or theunit referralowner to mediation mayshall besend made any time after a notice ofto delinquencythe forborrower pastor dueunit assessmentsowner hasand beenthe issueddepartment, butstating nothat latermediation thanis 30appropriate. days prior to the date of sale.
If(3) theWithin unit10 ownerdays hasof failedreceiving to elect to mediate within the applicablenotice, time frame, the unitdepartment ownershall: and the association may, but are under no duty to, agree in writing to enter the foreclosure mediation program.
(4) A housing counselor or attorney referring a borrower or unit owner to mediation shall send a notice to the borrower or unit owner and the department, stating that mediation is appropriate.
(((3))) (5) Within 10 days of receiving the notice, the department shall:
The notice must include the statements and list of documents and information described in subsections (((4)))(4) (6)and (5) of this section and p.a statement explaining each party's responsibility to pay the mediator's fee;
5 SSB 5686 (((5))) (7) of this section and a statement explaining each party's responsibility to pay the mediator's fee;
(((4)(4) Within))((Within)) (6) For deeda mediation related to a notice of trustdefault foreclosures:within 23 days of the department's notice that the parties have been referred to mediation, the borrower shall transmit the documents required for mediation to the mediator and the beneficiary.
(a) Within 23 days of the department's notice that the parties have been referred to mediation, the borrower shall transmit the documents required for mediation to the mediator and the beneficiary.
(((a)))(a) (i) The borrower's current and future income;
(((b)))(b) (ii) Debts and obligations;
(((c)))(c) (iii) Assets;
(((d)))p. (iv) Expenses;
(((e)))5 (v)SB Tax5686 returns(d) forExpenses; the previous two years;
(((f)))(e) (vi)Tax Hardshipreturns information;for the previous two years;
(((g)))(f) (vii)Hardship Otherinformation; applicable information commonly required by any applicable federal mortgage relief program.
(((5)))(g) (b)Other Withinapplicable 20information dayscommonly of the beneficiary's receipt of the borrower's documents under this subsection, the beneficiary shall transmit the documents required forby mediationany toapplicable thefederal mediatormortgage andrelief theprogram. borrower.
(5) Within 20 days of the beneficiary's receipt of the borrower's documents under subsection (4) of this section, the beneficiary shall transmit the documents required for mediation to the mediator and the borrower.
(((a)))(a) (i) An accurate statement containing the balance of the loan within 30 days of the date on which the beneficiary's documents are due to the parties;
(((b)))(b) (ii) Copies of the note and deed of trust;
(((c)))(c) (iii) Proof that the entity claiming to be the beneficiary is the owner of any promissory note or obligation secured by the deed of trust.
(((d)))(d) (iv) The best estimate of any arrearage and an itemized statement of the arrearages;
(((e)))(e) (v) An itemized list of the best estimate of fees and charges outstanding;
(((f)))(f) (vi) The payment history and schedule for the preceding twelve months, or since default, whichever is longer, including a breakdown of all fees and charges claimed;
(((g)))(g) (vii) All borrower-related and mortgage-related input data used in any net present values analysis.
If no net present values analysis is required by the applicable federal mortgage relief p.program, then the input data required under the federal deposit insurance corporation and published in the federal deposit insurance corporation loan modification program guide, or if that calculation becomes unavailable, substantially similar input data as determined by the department;
6(h) SSBAn 5686explanation program,regarding thenany thedenial inputfor dataa requiredloan undermodification, theforbearance, federalor depositother insurancealternative corporationto andforeclosure published in thesufficient federaldetail depositfor insurancea corporationreasonable loanperson modificationto programunderstand guide,why orthe ifdecision thatwas calculationmade; becomes unavailable, substantially similar input data as determined by the department;
Show all 132 changed lines (92 more)
(((h)))(i) (viii)Appraisal Anor explanationother regardingbroker anyprice denialopinion formost arecently loanrelied modification,upon forbearance,by orthe otherbeneficiary alternativenot tomore foreclosurethan in90 sufficientdays detailold forat athe reasonabletime personof to understand why the decisionscheduled wasmediation; made;
(((i)))and (ix)(j) AppraisalThe portion or otherexcerpt brokerof price opinion most recently relied upon by the beneficiarypooling notand moreservicing thanagreement 90or daysother oldinvestor atrestriction thethat timeprohibits of the scheduledbeneficiary mediation;from p.
and6 (((j)))SB (x)5686 The portion or excerpt of the pooling and servicing agreement or other investor restriction that prohibits the beneficiary from implementing a modification, if the beneficiary claims it cannot implement a modification due to limitations in a pooling and servicing agreement or other investor restriction, and documentation or a statement detailing the efforts of the beneficiary to obtain a waiver of the pooling and servicing agreement or other investor restriction provisions.
(((6)))(6) (7)If Forthe associationmediation foreclosures:is related to a notice of delinquency for past due assessments, within 23 days of the department's notice that the parties have been referred to mediation, the parties shall transmit the documents required for mediation to the mediator.
(a)The Withindocuments 23 days of the department's notice that the parties have been referred to mediation, the association shall transmitbe thekept documentsconfidential requiredby for mediation to the mediatormediator. and the unit owner.
(a) The required documents include:to be submitted by the unit owner includes the following information:
(i) AnThe itemizedunit ledgerowner's forcurrent theand precedingfuture 12income; months, or since the assessments became past due, whichever is longer.
The(ii) ledgerDebts shall include an itemized list of all dues, fines, special assessments, and anyobligations; other charges owed, with the date and amount for each item.
The(iii) ledgerAssets; should include the total balance owed at the time the ledger is transmitted, accurate within 30 days of the date on which the association's documents are due to the parties;
(ii)(iv) CopyExpenses; of all association liens placed against the property;
(iii) Copies of the current association declarations, bylaws, and any(v) otherHardship governinginformation. documents for the association.
(b) WithinThe 20required days of the unit owner's receipt of the association's documents, the unit owner shall transmit the documents requiredto forbe mediationsubmitted toby the mediatorassociation andincludes the association.following information:
The(i) requiredAn documentsitemized include:statement containing the balance of the past due assessments, fees or charges, or other financial obligations related to the assessments;
p.(ii) Copies of the association's lien and deed of trust;
7(iii) SSBProof 5686that (i)the Evidenceentity ofclaiming anyto unitbe ownerthe paymentsassociation tois the associationholder thatof areany notlien reflectedsecured onby the associationdeed ledger,of iftrust; any;
(ii)(iv) StatementThe payment history and schedule for the preceding 12 months, or since the assessments became past due, whichever is longer, including a breakdown of hardship,all iffees, relevant;charges, or other financial obligations related to the assessments claimed;
(iii)and If(v) theAn unitexplanation ownerregarding isany interesteddenial infor a paymentmodification, plan,forbearance, aor proposedother schedulealternative ofto paymentsforeclosure on the delinquent assessments, fees, charges, or other financial obligations related to resolvethe assessments claimed in sufficient detail for a reasonable person to understand why the arrears.decision was made.
(8)(7) Within 70 days of receiving the referral from the department, the mediator shall convene a mediation session in the county where the property is located, unless the parties agree on another location.
If the parties agree to extend the time,p. the beneficiary or association shall notify the trustee, if applicable, of the extension and the date the mediator is expected to issue the mediator's certification.
(((7)))7 (9)(a)SB The5686 mediatortime, maythe schedulebeneficiary phoneor conferences,association consultationsshall withnotify the partiestrustee individually,of andthe otherextension communicationsand to ensure that the partiesdate have all the necessarymediator informationis andexpected documents to engageissue inthe amediator's productivecertification. mediation.
(((7))) (8)(a) The mediator may schedule phone conferences, consultations with the parties individually, and other communications to ensure that the parties have all the necessary information and documents to engage in a productive mediation.
(((8))) (10)(a)(9)(a) The borrower or unit owner, the beneficiary or association or authorized agent, and the mediator must meet in person for the mediation session.
However, a person with authority to agree to a resolution on behalf of the beneficiary or association may be p.present over the telephone or videoconference during the mediation session.
8 SSB 5686 present over the telephone or videoconference during the mediation session.
(((9)(((9))) The))(10) (11)The For deed of trust foreclosures, the participants in mediation must address the issues of foreclosure that may enable the borrower or unit owner and the beneficiary or association to reach a resolution, including but not limited to reinstatement, modification of the loan, restructuring of the debt, modification of a delinquent assessment, modification of latep. fees or charges associated with a delinquent assessment, or some other workout plan.
8 SB 5686 late fees or charges associated with a delinquent assessment, or some other workout plan.
(c) Any affordable loan modification calculation and net present value calculation when required under any federal mortgage relief program and any modification program related to loans insured by the federal housing administration, the veterans administration, and the rural housing service.service , if applicable.
(((10))) (12)(11) ForA associationviolation foreclosures,of the participantsduty into mediationmediate mustin addressgood thefaith issuesas whichrequired ledunder tothis foreclosuresection that may enableinclude: the unit owner and the association to reach a resolution including, but not limited to, a delinquent assessment payment plan, p.
9 SSB 5686 waiver of association imposed late fees or attorney fees, or any other workout plan.
(13) A violation of the duty to mediate in good faith as required under this section may include:
(b) Failure of the borrower ((or)), the unit owner, the beneficiarybeneficiary, , or the association to provide the documentation required before mediation or pursuant to the mediator's instructions;
((and))and (d) A request by a beneficiary or association that the borrower or unit owner waive future claims he or she may have in connection with the deed of trust, as a condition of agreeing to a modification, except for rescission claims under the federal truth in lending act.
Nothingp. in this section precludes a beneficiary or association from requesting that a borrower dismiss with prejudice any pending claims against the beneficiary, its agents, loan servicer, or trustee, arising from the underlying deed of trust, as a condition of modification;
and9 (e)SB A5686 requestNothing byin thethis section precludes a beneficiary or association from requesting that thea borrower or unit owner waivedismiss futurewith prejudice any pending claims against the association.beneficiary or association, its agents, loan servicer, or trustee, arising from the underlying deed of trust, as a condition of modification.
Nothing(((11))) in(12) thisIf sectionthe precludesmediator anreasonably associationbelieves froma requestingborrower thator unit owner will not attend a mediation session based on the borrower's or unit ownerowner's dismissconduct, anysuch filedas civilthe claimslack againstof response to the associationmediator's relatedcommunications, the mediator may cancel a scheduled mediation session and send a written cancellation to the presentdepartment delinquency.and the trustee and send copies to the parties.
(((11))) (14) If the mediator reasonably believes a borrower or unit owner will not attend a mediation session based on the borrower's or unit owner's conduct, such as the lack of response to the mediator's communications, the mediator may cancel a scheduled mediation session and send a written cancellation to the department and the trustee and send copies to the parties.
(((12))) (15)(13) Within seven business days after the conclusion of the mediation session, the mediator must send a written certification to the department and the trustee and send copies to the parties of:
(c) Whether a resolution was reached by the parties, including whether the default or delinquency was cured by reinstatement, p.modification, or restructuring of the debt, or some other alternative to foreclosure was agreed upon by the parties;
10 SSB 5686 modification, or restructuring of the debt, or repayment plan, or some other alternative to foreclosure was agreed upon by the parties;
and (e) ((If))If For deed of trust foreclosures, if a written agreement was not reached, a description of any net present value test used, along with a copy of the inputs, including the result of any net present value test expressed in a dollar amount.
(((13))) (16)(14) If the parties are unable to reach an agreement, the beneficiary or association may proceed with the foreclosure after receipt of the mediator's written certification.
(((14))) (17)(a)(15)(a) The mediator's certification that the beneficiary or association failed to act in good faith in mediation constitutes a defense to the nonjudicial foreclosure action that was the basis for initiating the mediation.
In any action to enjoin the foreclosure, the beneficiary or association is entitled to rebut the allegation that it failed to act in good faith.
(b) The mediator's certification that the beneficiary or association failed to act in good faith during mediation does not constitutep. a defense to a judicial foreclosure or a future nonjudicial foreclosure action if a modification of the loan or delinquent assessment payment plan is agreed upon and the borrower subsequently defaults or unit owner fails to pay assessments.
(c)10 IfSB an5686 affordableconstitute loana modificationdefense isto nota offeredjudicial inforeclosure the mediation or a writtenfuture agreementnonjudicial wasforeclosure notaction reachedif anda themodification mediator'sof certification shows that the netloan presentor valuemodification of theobligations modifiedrelated loanto exceeds the anticipatedpayment netof recoveryassessments atis foreclosure,agreed thatupon showingand in the certification constitutes a basis for the borrower tosubsequently enjoindefaults. the foreclosure.
(((15)))(c) (18)If Thean affordable loan modification or modification of obligations related to the payment of assessments is not offered in the mediation or a written agreement was not reached and the mediator's certification shows that the borrowernet present value of the modified loan or unitthe ownerobligations failedrelated to actthe inpayment goodof faithdelinquent assessments including late fees and charges, exceeds the anticipated net recovery at foreclosure, that showing in mediationthe authorizescertification constitutes a basis for the beneficiaryborrower or associationunit owner to proceedenjoin with the foreclosure.
(((16)))(((15))) (19)(a)(16) IfThe amediator's certification that the borrower or unit owner hasfailed been referred to mediationact beforein agood noticefaith ofin trusteemediation saleauthorizes has been recorded, a trustee may not record the noticebeneficiary ofor saleassociation untilto theproceed trusteewith receives the mediator'sforeclosure. certification stating that the mediation has been completed.
(((16))) (17)(a) If a borrower or unit owner has been referred to mediation before a notice of trustee sale has been recorded, a trustee may not record the notice of sale until the trustee receives the mediator's certification stating that the mediation has been completed.
If, after a notice of sale is recorded under this subsection (((16))) p.(17)(a), the mediator subsequently issues a certification finding that the beneficiary or association violated the duty of good faith, the certification constitutes a basis for the borrower or unit owner to enjoin the foreclosure.
11 SSB 5686 (19)(a), the mediator subsequently issues a certification finding that the beneficiary or association violated the duty of good faith, the certification constitutes a basis for the borrower or unit owner to enjoin the foreclosure.
(((17))) (c)(18) IfA amediator unit owner has been referred to mediation before the filing of a judicial foreclosure, the association may notcharge filereasonable afees complaintas forauthorized judicialby foreclosurethis untilsubsection theor associationas receivesauthorized theby mediator's certification stating that the mediationdepartment. has been completed.
If the association does not receive the mediator's certification, the association may file for judicial foreclosure after 10 days from the date the certification to the association was due.
If, after a judicial filing for foreclosure has been made pursuant to this subsection (19)(c), the mediator subsequently issues a certification finding that the association violated the duty of good faith, the certification constitutes a basis for the unit owner to enjoin the judicial foreclosure.
(20) A mediator may charge reasonable fees as authorized by this subsection or as authorized by the department.
The mediator must provide an estimated feep. before the mediation, and payment of the mediator's fee must be divided equally between the beneficiary and the borrower , or between the association and the unit owner.
11 SB 5686 fee before the mediation, and payment of the mediator's fee must be divided equally between the beneficiary and the borrower, or between the association and the unit owner.
(((18))) (21)(19) ForBeginning associationDecember foreclosures,1, the2012, unitand ownerevery andyear thereafter, the associationdepartment shall bereport responsibleannually forto theirthe ownlegislature respectiveon: attorney fees incurred during mediation under this section.
(22)(a) BeginningThe Decemberperformance 1,of 2012,the andprogram, everyincluding yearthe thereafter,number((s)) theof departmentborrowers shallwho reportare annuallyreferred to themediation legislatureby on:a housing counselor or attorney.
p.
12 SSB 5686 (a) The performance of the program, including the number((s)) of borrowers who are referred to mediation by a housing counselor or attorney.
(((19))) (23)(20) This section does not apply to certain federally insured depository institutions, as specified in RCW 61.24.166.
Sec.p.
12 SB 5686 Sec.
or p.(d) Where the grantor is a partnership, corporation, or limited liability company, or where the property is vested in a partnership, corporation, or limited liability company at the time the notice of default is issued.
13(3) SSB((RCW 568661.24.163 (d)does Wherenot theapply grantorto isassociation abeneficiaries partnership,subject corporation,to orchapter limited64.32, liability64.34, company, or where64.38 theRCW. property is vested in a partnership, corporation, or limited liability company at the time the notice of default is issued.
(3)(4))) RCWFor 61.24.163purposes doesof ((not))referral applyand tomediation ((associationunder beneficiariesRCW subject61.24.163, a person may be referred to chaptermediation 64.32,if 64.34,the orborrower 64.38is RCW.))deceased associationsand seekingthe toperson forecloseis liensa orsuccessor deficienciesin viainterest nonjudicialof orthe judicialdeceased foreclosure.borrower.
(4) For purposes of referral and mediation under RCW 61.24.163, a person may be referred to mediation if the borrower or unit owner is deceased and the person is a successor in interest of the deceased borrower or unit owner.
For the purposes of mediation under RCW 61.24.163, the person must be treated as a "borrower""borrower." or "unit owner." This subsection does not impose an affirmative duty on the beneficiary to accept an assumption of the loan.
(5)(((5))) (4) For purposes of referral and mediation under RCW 61.24.163, a person may be referred to mediation if the person has been awarded title to the property in a proceeding for dissolution or legal separation.
(2)p. RCW 61.24.163 does not apply to deeds of trust:
13 SB 5686 (2) RCW 61.24.163 does not apply to deeds of trust:
or p.(d) Where the grantor is a partnership, corporation, or limited liability company, or where the property is vested in a partnership, corporation, or limited liability company at the time the notice of default is issued.
14(3) SSB((RCW 568661.24.163 (d)does Wherenot theapply grantorto isassociation abeneficiaries partnership,subject corporation,to orchapter limited64.90 liabilityRCW. company, or where the property is vested in a partnership, corporation, or limited liability company at the time the notice of default is issued.
(3)(4))) RCWFor 61.24.163purposes doesof ((not))referral applyand tomediation ((associationunder beneficiariesRCW subject61.24.163, a person may be referred to chaptermediation 64.90if RCW.))the associationsborrower seekingis todeceased forecloseand liensthe orperson deficienciesis viaa nonjudicialsuccessor orin judicialinterest foreclosure.of the deceased borrower.
(4) For purposes of referral and mediation under RCW 61.24.163, a person may be referred to mediation if the borrower is deceased and the person is a successor in interest of the deceased borrower.
(5)(((5))) (4) For purposes of referral and mediation under RCW 61.24.163, a person may be referred to mediation if the person has been awarded title to the property in a proceeding for dissolution or legal separation.
(3) "Beneficiary" means the holder of the instrument or document evidencing the obligations secured by the deed of trust, excluding persons holding the same as security for a different obligation.
1514 SSBSB 5686 (((3)))(3) (4)"Beneficiary" "Borrower" means athe personholder orof athe generalinstrument partner in a partnership, including a joint venture, that is liable for all or partdocument ofevidencing the obligations secured by the deed of trusttrust, underexcluding thepersons instrumentholding or other document that is the principalsame evidenceas ofsecurity such obligations, or the person's successors if they are liable for those obligations under a writtendifferent agreementobligation. with the beneficiary.
(((3))) (4) "Borrower" means a person or a general partner in a partnership, including a joint venture, that is liable for all or part of the obligations secured by the deed of trust under the instrument or other document that is the principal evidence of such obligations, or the person's successors if they are liable for those obligations under a written agreement with the beneficiary.
(((12))) (13) "Record" and "recorded" includes the appropriate registration proceedings, in the instance of registered land.
1615 SSBSB 5686 (((13)))(((12))) (14)(13) "Residential"Record" realand property""recorded" meansincludes propertythe consistingappropriate solelyregistration ofproceedings, ain single-familythe residence,instance aof residentialregistered condominiumland. unit, or a residential cooperative unit.
(((13))) (14) "Residential real property" means property consisting solely of a single-family residence, a residential condominium unit, or a residential cooperative unit.
Nothing in RCW 64.90.485 or this section precludes a meeting or negotiations between the housing counselor, unit owner, andp. association at any time, including after the issuance of the notice of delinquency for past due assessments.
p.16 SB 5686 and association at any time, including after the issuance of the notice of delinquency for past due assessments.
17 SSB 5686 (c) A borrower who is contacted under RCW 61.24.031 or a unit owner, may seek the assistance of a housing counselor or attorney at any time.
(6) Housing counselors shall provide information to the department to assist the department in its annual report to the legislaturep. as required under RCW 61.24.163(((18))) (22).
The17 informationSB provided5686 tolegislature theas departmentrequired byunder theRCW housing61.24.163(((18))) counselors(19). p.
18The SSBinformation 5686provided to the department by the housing counselors should include outcomes of foreclosures and be similar to the information requested in the national foreclosure mortgage counseling client level foreclosure outcomes report form.
(5) 0.5 percentp. to fund outreach;
and18 (6)SB 105686 percent to thefund departmentoutreach; to be used for implementation and operation of the foreclosure fairness p.
19and SSB(6) 568610 percent to the department to be used for implementation and operation of the foreclosure fairness act.
2019 SSBSB 5686
Show all 132 changed rows (92 more)
View plain text versions (5)
- Bill View text pdf
- Substitute Substitute Bill pdf
- Substitute Engrossed Second Substitute Bill pdf
- Substitute Second Substitute Bill pdf
- Substitute Second Substitute Passed Legislature Current pdf
Action History
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Effective date 7/27/2025*.
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Chapter 393, 2025 Laws.
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Governor signed.
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Delivered to Governor.
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Speaker signed.
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President signed.
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Passed final passage; yeas, 27; nays, 19; absent, 0; excused, 2.
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Senate concurred in House amendments.
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Third reading, passed; yeas, 56; nays, 41; absent, 0; excused, 1.
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Rules suspended. Placed on Third Reading.
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Floor amendment(s) adopted.
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Committee amendment not adopted.
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Rules Committee relieved of further consideration. Placed on second reading.
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Referred to Rules 2 Review.
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Minority; without recommendation.
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Minority; do not pass.
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APP - Majority; do pass with amendment(s) by Housing.
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Executive action taken in the House Committee on Appropriations at 1:30 PM.
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Public hearing in the House Committee on Appropriations at 9:00 AM.
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Referred to Appropriations.
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Minority; without recommendation.
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Minority; do not pass.
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HOUS - Majority; do pass with amendment(s).
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Executive action taken in the House Committee on Housing at 4:00 PM.
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Public hearing in the House Committee on Housing at 4:00 PM.
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First reading, referred to Housing.
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Third reading, passed; yeas, 30; nays, 19; absent, 0; excused, 0.
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Rules suspended. Placed on Third Reading.
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Floor amendment(s) adopted.
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2nd substitute bill substituted (WM 25).
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Placed on second reading by Rules Committee.
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Passed to Rules Committee for second reading.
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Minority; do not pass.
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WM - Majority; 2nd substitute bill be substituted, do pass.
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Executive action taken in the Senate Committee on Ways & Means at 1:30 PM.
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Public hearing in the Senate Committee on Ways & Means at 1:30 PM.
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Referred to Ways & Means.
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Minority; without recommendation.
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And refer to Ways & Means.
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HSG - Majority; 1st substitute bill be substituted, do pass.
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Executive action taken in the Senate Committee on Housing at 10:30 AM.
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Public hearing in the Senate Committee on Housing at 10:30 AM.
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First reading, referred to Housing.
Sponsors
- T'wina Nobles · Cosponsor
- Bob Hasegawa · Cosponsor
- Noel Frame · Cosponsor
- Tina Orwall · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 3 co-sponsors · 147 not signed on · 60 voted No
Sponsors (1)
- Tina Orwall Democrat
Co-sponsors (3)
- T'wina Nobles Democrat
- Bob Hasegawa Democrat
- Noel Frame Democrat
Not signed on (147)
147 members have not signed on to this bill.
Show all 147 →"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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 27 | 0 | 0 | 2 |
| Republican | 0 | 19 | 0 | 0 |
| Total | 27 | 19 | 0 | 2 |
| % of votes cast | 56% | 40% | 0% | 4% |
How each member voted (48)
| Member | Party | Vote |
|---|---|---|
| Adrian Cortes | Democrat | Yea |
| Annette Cleveland | 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 | Not Voting |
| Jamie Pedersen | Democrat | Yea |
| Javier Valdez | Democrat | Yea |
| Jesse Salomon | Democrat | Yea |
| Jessica Bateman | Democrat | Not Voting |
| 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 |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 0 | 37 | 0 | 1 |
| Democrat | 56 | 4 | 0 | 0 |
| Total | 56 | 41 | 0 | 1 |
| % of votes cast | 57% | 42% | 0% | 1% |
How each member voted (98)
| Member | Party | Vote |
|---|---|---|
| Adam Bernbaum | Democrat | Yea |
| Adison Richards | Democrat | Yea |
| Adrian Cortes | Democrat | Yea |
| Alex Ramel | Democrat | Yea |
| Alicia Rule | Democrat | Nay |
| Amy Walen | Democrat | Yea |
| April Berg | Democrat | Yea |
| Beth Doglio | Democrat | Yea |
| Brandy Donaghy | Democrat | Yea |
| Brianna Thomas | Democrat | Yea |
| Chipalo Street | Democrat | Yea |
| Chris Stearns | Democrat | Yea |
| Cindy Ryu | Democrat | Yea |
| Clyde Shavers | Democrat | Nay |
| Dan Bronoske | Democrat | Yea |
| Darya Farivar | Democrat | Yea |
| Dave Paul | Democrat | Nay |
| David Hackney | Democrat | Yea |
| Davina Duerr | Democrat | Yea |
| Debra Entenman | Democrat | Yea |
| Debra Lekanoff | Democrat | Yea |
| Edwin Obras | Democrat | Yea |
| Gerry Pollet | Democrat | Yea |
| Greg Nance | Democrat | Yea |
| Jake Fey | Democrat | Yea |
| Jamila Taylor | Democrat | Yea |
| Janice Zahn | Democrat | Yea |
| Javier Valdez | Democrat | Nay |
| Joe Fitzgibbon | Democrat | Yea |
| Joe Timmons | Democrat | Yea |
| Julia Reed | Democrat | Yea |
| Kristine Reeves | Democrat | Yea |
| Larry Springer | Democrat | Yea |
| Lauren Davis | Democrat | Yea |
| Laurie Jinkins | Democrat | Yea |
| Lillian Ortiz-Self | Democrat | Yea |
| Lisa Callan | Democrat | Yea |
| Lisa Parshley | Democrat | Yea |
| Liz Berry | Democrat | Yea |
| Mari Leavitt | Democrat | Yea |
| Mary Fosse | Democrat | Yea |
| Melanie Morgan | Democrat | Yea |
| Mia Gregerson | Democrat | Yea |
| Monica Jurado Stonier | Democrat | Yea |
| My-Linh Thai | Democrat | Yea |
| Natasha Hill | Democrat | Yea |
| Nicole Macri | Democrat | Yea |
| Osman Salahuddin | Democrat | Yea |
| Roger Goodman | Democrat | Yea |
| Sharlett Mena | Democrat | Yea |
| Sharon Tomiko Santos | Democrat | Yea |
| Sharon Wylie | Democrat | Yea |
| Shaun Scott | Democrat | Yea |
| Shelley Kloba | Democrat | Yea |
| Steve Bergquist | Democrat | Yea |
| Steve Tharinger | Democrat | Yea |
| Strom Peterson | Democrat | Yea |
| Tarra Simmons | Democrat | Yea |
| Timm Ormsby | Democrat | Yea |
| Victoria Hunt | Democrat | Yea |
| Alex Ybarra | Republican | Nay |
| Andrew Barkis | Republican | Nay |
| Andrew Engell | Republican | Nay |
| April Connors | Republican | Nay |
| Brian Burnett | Republican | Nay |
| Carolyn Eslick | Republican | Nay |
| Chris Corry | Republican | Nay |
| Cyndy Jacobsen | Republican | Nay |
| Dan Griffey | Republican | Nay |
| David Stuebe | Republican | Nay |
| Deb Manjarrez | Republican | Nay |
| Drew Stokesbary | Republican | Nay |
| Ed Orcutt | Republican | Nay |
| Gloria Mendoza | Republican | Nay |
| Hunter Abell | Republican | Nay |
| Jenny Graham | Republican | Nay |
| Jeremie Dufault | Republican | Nay |
| Jim Walsh | Republican | Nay |
| Joe Schmick | Republican | Nay |
| Joel McEntire | Republican | Nay |
| John Ley | Republican | Nay |
| Joshua Penner | Republican | Nay |
| Kevin Waters | Republican | Nay |
| Mark Klicker | Republican | Nay |
| Mary Dye | Republican | Nay |
| Matt Marshall | Republican | Nay |
| Michael Keaton | Republican | Nay |
| Mike Steele | Republican | Nay |
| Mike Volz | Republican | Nay |
| Peter Abbarno | Republican | Nay |
| Rob Chase | Republican | Nay |
| Sam Low | Republican | Nay |
| Skyler Rude | Republican | Nay |
| Stephanie Barnard | Republican | Not Voting |
| Stephanie McClintock | Republican | Nay |
| Suzanne Schmidt | Republican | Nay |
| Tom Dent | Republican | Nay |
| Travis Couture | Republican | Nay |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 30 | 0 | 0 | 0 |
| Republican | 0 | 19 | 0 | 0 |
| Total | 30 | 19 | 0 | 0 |
| % 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 |
Subjects
Frequently asked questions
- Who sponsors SB 5686?
- SB 5686 is sponsored by T'wina Nobles (Democrat), Bob Hasegawa (Democrat), Noel Frame (Democrat), and Tina Orwall (Democrat).
- What is the current status of SB 5686?
- This bill has been enacted into law. Introduced February 06, 2025. Enacted.
- Where can I track SB 5686?
- Track SB 5686 free on One Click Politics — get push/email alerts when it moves.
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