WA People
BILL · 2023–24 SESSION · LATEST VERSION ESHB 1311

HB 1311: Credit repair services

Addressing credit repair services performed by a credit services organization.

Summary

  • Adds prohibited acts to the Credit Services Organization Act.
  • Specifies situations when a consumer reporting agency, creditor, or collection agency do not need to communicate with a credit services organization.
  • Requires credit services organizations to redact certain personal information of a consumer when sending written communication.
  • Requires credit services organizations to receive explicit written approval from the consumer before using a consumer's signature for credit repair services.
  • Requires credit services organizations to provide consumers with a notice about their ability to file complaints with the Attorney General and their rights.

From the Engrossed Substitute House Bill Report (ESHB 1311), written by the Legislature's nonpartisan staff. Read the full report ↗

Enacted Enacted · Chapter 144, Laws of 2023
  1. IntroducedJan 13, 2023
  2. Out of committeeFeb 16, 2023
  3. Passed HouseMar 6, 2023
  4. Passed SenateApr 6, 2023
  5. GovernorApr 20, 2023
  6. LawApr 20, 2023
Prime sponsor
Kristine Reeves (D-30)
Introduced
January 13, 2023 in the House
Last action
April 20, 2023
Session law
Chapter 144, Laws of 2023
Budget
Has a fiscal note
Versions
HB 1311, ESHB 1311

AN ACT Relating to credit repair services performed by a credit services organization;

Sponsors

Prime sponsor: Kristine Reeves (D-30)

4 co-sponsors (2 Democrats, 2 Republicans)

Chris Corry R-14Mike Chapman D-24Julia Reed D-36Greg Cheney R-18

Votes

House · 3rd Reading & Final Passage

Passed March 6, 2023
Version voted on: ESHB 1311
91 Yea 5 Nay 0 Absent 2 Excused
PartyYeaNayAbsentExcused
Democrat57001
Republican34501
How each member voted

Yea (91)

Excused (2)

Permalink to this vote

Senate · 3rd Reading & Final Passage

Passed April 6, 2023
Version voted on: ESHB 1311
46 Yea 0 Nay 0 Absent 3 Excused
PartyYeaNayAbsentExcused
Democrat28001
Republican18002
How each member voted

Excused (3)

Permalink to this vote

History

  1. Effective date 7/23/2023. (ESHB 1311)
  2. Chapter 144, 2023 Laws. (ESHB 1311)
  3. Governor signed. (ESHB 1311)
  4. Delivered to Governor. (ESHB 1311)
  5. President signed. (ESHB 1311)
  6. Speaker signed. (ESHB 1311)
  7. Third reading, passed; yeas, 46; nays, 0; absent, 0; excused, 3. (ESHB 1311)
  8. Rules suspended. Placed on Third Reading. (ESHB 1311)
  9. Placed on second reading by Rules Committee. (ESHB 1311)
  10. Passed to Rules Committee for second reading. (ESHB 1311)
  11. Minority; without recommendation. (ESHB 1311)
  12. BFGT - Majority; do pass. (ESHB 1311)
  13. First reading, referred to Business, Financial Services, Gaming & Trade. (ESHB 1311)
  14. Third reading, passed; yeas, 91; nays, 5; absent, 0; excused, 2. (ESHB 1311)
  15. Rules suspended. Placed on Third Reading. (ESHB 1311)
  16. Floor amendment(s) adopted. (ESHB 1311)
  17. 1st substitute bill substituted. (ESHB 1311)
  18. 1st substitute bill substituted.
  19. Rules Committee relieved of further consideration. Placed on second reading. (ESHB 1311)
  20. Rules Committee relieved of further consideration. Placed on second reading.
  21. Referred to Rules 2 Review. (ESHB 1311)
  22. Referred to Rules 2 Review.
  23. Minority; without recommendation. (ESHB 1311)
  24. CPB - Majority; 1st substitute bill be substituted, do pass. (ESHB 1311)
  25. CPB - Majority; 1st substitute bill be substituted, do pass.
  26. Minority; without recommendation.
  27. CPB - Executive action taken by committee.
  28. First reading, referred to Consumer Protection & Business.

HB 1311 in other sessions

Bill numbers restart every two years, so the same number is a different bill in each session.

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