WA People
BILL · 2025–26 SESSION · LATEST VERSION E2SSB 5686

SB 5686: Foreclosure mediation prg.

Expanding and funding the foreclosure mediation program.

Summary

  • Expands the Foreclosure Mediation Program (Program) beginning January 1, 2026, to include unit owners in common interest communities (CICs) facing possible foreclosure of association liens for delinquent assessments.
  • Creates a new foreclosure prevention fee of $80 assessed for each residential mortgage loan originated, with an exception for reverse mortgage loans issued to seniors over the age of 61, to be deposited into the Foreclosure Fairness Account.
  • Requires the Department of Commerce to make information and resources regarding CIC foreclosures and related foreclosure programs and resources publicly available online.

From the Engrossed Second Substitute House Bill Report (E2SSB 5686), written by the Legislature's nonpartisan staff. Read the full report ↗

Enacted Enacted · Chapter 393, Laws of 2025
  1. IntroducedFeb 6, 2025
  2. Out of committeeFeb 28, 2025
  3. Passed SenateMar 7, 2025
  4. Passed HouseApr 23, 2025
  5. GovernorMay 20, 2025
  6. LawMay 20, 2025
Prime sponsor
Tina Orwall (D-33)
Introduced
February 6, 2025 in the Senate
Last action
May 20, 2025
Session law
Chapter 393, Laws of 2025
Budget
Has a fiscal note
Versions
SB 5686, SSB 5686, 2SSB 5686, E2SSB 5686

AN ACT Relating to expanding and funding the foreclosure mediation program;

Sponsors

Prime sponsor: Tina Orwall (D-33)

3 co-sponsors (3 Democrats, 0 Republicans)

Noel Frame D-36Bob Hasegawa D-11T'wina Nobles D-28

Votes

Senate · 3rd Reading & Final Passage

Passed March 7, 2025
Version voted on: E2SSB 5686
30 Yea 19 Nay 0 Absent 0 Excused
PartyYeaNayAbsentExcused
Democrat30000
Republican01900
How each member voted
Permalink to this vote

House · Final Passage as Amended by the House

Passed April 23, 2025
Version voted on: E2SSB 5686
56 Yea 41 Nay 0 Absent 1 Excused
PartyYeaNayAbsentExcused
Democrat56300
Republican03801
How each member voted

Yea (56)

Excused (1)

Permalink to this vote

Senate · Final Passage as Amended by the House

Passed April 24, 2025
Version voted on: E2SSB 5686
27 Yea 19 Nay 0 Absent 2 Excused
PartyYeaNayAbsentExcused
Democrat27002
Republican01900
How each member voted

Excused (2)

Permalink to this vote

History

  1. Effective date 7/27/2025*. (E2SSB 5686)
  2. Chapter 393, 2025 Laws. (E2SSB 5686)
  3. Governor signed. (E2SSB 5686)
  4. Delivered to Governor. (E2SSB 5686)
  5. Speaker signed. (E2SSB 5686)
  6. President signed. (E2SSB 5686)
  7. Passed final passage; yeas, 27; nays, 19; absent, 0; excused, 2. (E2SSB 5686)
  8. Senate concurred in House amendments. (E2SSB 5686)
  9. Committee amendment not adopted. (E2SSB 5686)
  10. Rules suspended. Placed on Third Reading. (E2SSB 5686)
  11. Floor amendment(s) adopted. (E2SSB 5686)
  12. Third reading, passed; yeas, 56; nays, 41; absent, 0; excused, 1. (E2SSB 5686)
  13. Rules Committee relieved of further consideration. Placed on second reading. (E2SSB 5686)
  14. Referred to Rules 2 Review. (E2SSB 5686)
  15. Minority; without recommendation. (E2SSB 5686)
  16. Minority; do not pass. (E2SSB 5686)
  17. APP - Majority; do pass with amendment(s) by Housing. (E2SSB 5686)
  18. APP - Executive action taken by committee. (E2SSB 5686)
  19. Referred to Appropriations. (E2SSB 5686)
  20. HOUS - Executive action taken by committee. (E2SSB 5686)
  21. Minority; without recommendation. (E2SSB 5686)
  22. Minority; do not pass. (E2SSB 5686)
  23. HOUS - Majority; do pass with amendment(s). (E2SSB 5686)
  24. First reading, referred to Housing. (E2SSB 5686)
  25. Third reading, passed; yeas, 30; nays, 19; absent, 0; excused, 0. (E2SSB 5686)
  26. Rules suspended. Placed on Third Reading. (E2SSB 5686)
  27. Floor amendment(s) adopted. (E2SSB 5686)
  28. 2nd substitute bill substituted. (E2SSB 5686)
  29. 2nd substitute bill substituted. (SSB 5686)
  30. 2nd substitute bill substituted.
  31. Placed on second reading by Rules Committee. (E2SSB 5686)
  32. Placed on second reading by Rules Committee. (SSB 5686)
  33. Placed on second reading by Rules Committee.
  34. Minority; do not pass. (E2SSB 5686)
  35. WM - Majority; 2nd substitute bill be substituted, do pass. (E2SSB 5686)
  36. Passed to Rules Committee for second reading. (E2SSB 5686)
  37. Passed to Rules Committee for second reading. (SSB 5686)
  38. WM - Majority; 2nd substitute bill be substituted, do pass. (SSB 5686)
  39. Minority; do not pass. (SSB 5686)
  40. Minority; do not pass.
  41. WM - Majority; 2nd substitute bill be substituted, do pass.
  42. Passed to Rules Committee for second reading.
  43. Referred to Ways & Means. (SSB 5686)
  44. Referred to Ways & Means.
  45. Minority; without recommendation. (SSB 5686)
  46. HSG - Majority; 1st substitute bill be substituted, do pass. (SSB 5686)
  47. And refer to Ways & Means. (SSB 5686)
  48. And refer to Ways & Means.
  49. HSG - Majority; 1st substitute bill be substituted, do pass.
  50. Minority; without recommendation.
  51. First reading, referred to Housing.

SB 5686 in other sessions

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

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