Amendment vs bill Amendment 734 vs Enrolled

Struck = removed from the bill · added = the amendment's new text.

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Assembly Bill No.
Session (83rd) A AB250 R2 734 Amendment No.
250–Assemblymembers Goulding;
734 Senate Amendment to Assembly Bill No.
Anderson, Flanagan, Hunt, La Rue Hatch and Nguyen Joint Sponsors:
250 Second Reprint (BDR 52-599) Proposed by:
Senators Krasner and Steinbeck CHAPTER..........
Senator Pazina Amends:
Summary:
No Title:
Yes Preamble:
No Joint Sponsorship:
No Digest:
Yes ASSEMBLY ACTION Initial and Dat| SENATE ACTION Initial and Date Adopted Lost | Adopted Lost Concurred In Not | Concurred In Not Receded Not | Receded Not EXPLANATION:
Matter in (1) blue bold italics is new language in the original bill;
(2) variations of green bold underlining is language proposed to be added in this amendment;
(3) red strikethrough is deleted language in the original bill;
(4) purple double strikethrough is language proposed to be deleted in this amendment;
(5) orange double underlining is deleted language in the original bill proposed to be retained in this amendment.
KRO/BAW - Date:
5/21/2025 A.B.
No.
250—Revises provisions relating to certain debt.
(BDR 52-599) Page 1 of 5 *A_AB250_R2_734* Senate Amendment No.
734 to Assembly Bill No.
250 Second Reprint Page 3 A SSEMBLY B ILLNO.
250–ASSEMBLYMEMBERS GOULDING ;
ANDERSON , LANAGAN , H UNT, LAR UE HATCH AND N GUYEN F EBRUARY 18, 2025 _______________ JOINTSPONSORS :
ENATORS K RASNER AND STEINBECK _______________ Referred to Committee on Commerce and Labor SUMMARY—Revises provisions relating to certain debt.
(BDR 52-599) FISCAL NOTE:
Effect on Local Government:
No.
Effect on the State:
No.
~ EXPLANATION – Matter in bolded italics is new;
matter between brackets [omitted material] is material to be omitted.
(See, civil action to collect an unsecured consumer debt, a debtor may assert as anin any affirmative defense that the debt is a coerced debt.
(See, e.g., chapters 353C and 649 of NRS) Section 1 of this bill establishes that, in any civil action to collect an coerced debt.
(1) the creditor to join a third party who may be liable for the coerced debtor to recover attorney’s fees and costs from the person who coerced the debt.e Existing law makes it a crime to issue a check or draft against insufficient or no funds with intent to defraud.
(1) the creditor to join a third party who may be liable for the coerced debt or amend its complaint to assert a claim against any such person;
(NRS 205.130) Under existing law, intent to defraud and knowledge of insufficient funds are presumed to exist if payment of the instrument is refused by the drawee when presented in the usual course of business, unless the drawer pays the full amount due within 5 days after receiving notice for the purpose of determining whether a check or draft is presented in the usualat, course of business, a check or draft that constitutes a credit instrument is deemed to be presented in the usual course of business if it is presented not more than 2 years after the date on which the credit instrument is issued.
and (2) the debtor to recover attorney’s fees and costs from the person who coerced the debt.
- 83rd Session (2025) – 2 – EXPLANATION – Matter in bolded italics is new;
Existing law makes it a crime to issue a check or draft against insufficient or no funds with intent to defraud.
matter between brackets [omitted material] is material to be omitted.
(NRS 205.130) Under existing law, intent to defraud and knowledge of insufficient funds are presumed to exist if payment of the instrument is refused by the drawee when presented in the usual course of business, unless the drawer pays the full amount due within 5 days after receiving notice from the drawee or the holder.
THE PEOPLE OF THE STATE OF NEVADA, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
(NRS 205.132) Section 1.5 of this bill provides that, for the purpose of determining whether a check or draft is presented in the usual course of business, a check or draft that constitutes a credit instrument is deemed to be presented in the usual course of business if it is presented not more than 2 years after the date on which the credit instrument is issued.
Senate Amendment No.
734 to Assembly Bill No.
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250 Second Reprint Page 4 THE PEOPLE OF THE STATE OF NEVADA, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
(2) A description of the circumstances under which the supporting the allegation;ncurred, including specific facts (3) Except as otherwise provided in subsection 4, any information known to the debtor regarding the identity and contact information of the person alleged to have coerced the debtor into incurring the debt;
(2) A description of the circumstances under which the alleged coerced debt was incurred, including specific facts supporting the allegation;
(3) Except as otherwise provided in subsection 4, any information known to the debtor regarding the identity and contact information of the person alleged to have coerced the debtor into incurring the debt;
or (3) A temporary or extended order for protection against domestic violence issued by a court of competent jurisdiction or other court record that is relevant to establishing that the debt is a coerced debt.
or violence issued by a court of competent jurisdiction or other court record that is relevant to establishing that the debt is a coerced debt.
If the court determines that the debt identified by the debtor pursuant to subparagraph (1) of paragraph (a) of sub(a) The court shall order the creditor to immediately cease all collection efforts related to the coerced debt and, if applicable, to - 83rd Session (2025) – 3 – similar record to reflect that the debt is a coerced debt;t or (b) The creditor may join any third party who is or may be liable for the coerced debt or amend its complaint to assert a claim against any such person;
If the court determines that the debt identified by the debtor pursuant to subparagraph (1) of paragraph (a) of subsection 2 constitutes a coerced debt:
(a) The court shall order the creditor to immediately cease all collection efforts related to the coerced debt and, if applicable, to take reasonable steps to correct any consumer credit report or similar record to reflect that the debt is a coerced debt;
(b) The creditor may join any third party who is or may be liable for the coerced debt or amend its complaint to assert a claim against any such person;
part thereof incurred for personal, family or household purposes as a result of fraud, duress, intimidation, threat of force or undue influence in the name of a debtor who is a victim of:
(a) “Coerced debt” means an unsecured consumer debt or any part thereof incurred for personal, family or household purposes as a result of fraud, duress, Senate Amendment No.
734 to Assembly Bill No.
250 Second Reprint Page 5 intimidation, threat of force or undue influence in the name of a debtor who is a victim of:
(c) “Victim” includes a person who alleges that he or she is a perpetrator of the act has been charged with or convicted of the act.
(c) “Victim” includes a person who alleges that he or she is a victim of an act, regardless of whether or not the alleged perpetrator of the act has been charged with or convicted of the act.
- 83rd Session (2025) – 4 – (b) Payment of the instrument is refused by the drawee when it is presented in the usual course of business, unless within 5 days after receiving notice of this fact from the drawee or the holder, the drawer pays the holder of the instrument the full amount due plus presentation of a check or draft that constitutes a credit instrument, as defined in NRS 463.01467, occurs in the usual course of business if the presentation occurs not more than 2 years after the date on which the credit instrument is issued.
(b) Payment of the instrument is refused by the drawee when it is presented in the usual course of business, unless within 5 days after receiving notice of this fact from the drawee or the holder, the drawer pays the holder of the instrument the full amount due plus any handling charges.
For the purposes of this paragraph, presentation of a check or draft that constitutes a credit instrument, as defined in NRS 463.01467, occurs in the usual course of business if the presentation occurs not more than 2 years after the date on which the credit instrument is issued.
1.
[The provisions] 1.
Section 1 of this act becomes effective on October 1, 2025, and applies to any action filed on or after October 1, 2025.
Section 1 of this act [apply] becomes effective on October 1, 2025, and applies to any action filed on or after October 1, 2025.
~~~~~ 25 - 83rd Session (2025)