WA People
BILL · 2025–26 SESSION · LATEST VERSION SSB 5720

SB 5720: Uniform debt default act

Enacting the uniform consumer debt default judgments act.

Summary

  • Adopts the Uniform Consumer Debt Default Judgments Act to create rules a plaintiff must follow in order to obtain a default judgment in a lawsuit seeking collection of a consumer debt.
  • Establishes requirements for the contents of a complaint or amended complaint, contents of a required notice to the consumer, and penalties for violating these requirements.

From the Substitute House Bill Report (SSB 5720), written by the Legislature's nonpartisan staff. Read the full report ↗

Enacted Enacted · Chapter 107, Laws of 2026
  1. IntroducedFeb 10, 2025
  2. Out of committeeJan 23, 2026
  3. Passed SenateFeb 5, 2026
  4. Passed HouseMar 4, 2026
  5. GovernorMar 18, 2026
  6. LawMar 18, 2026
Prime sponsor
Jamie Pedersen (D-43)
Introduced
February 10, 2025 in the Senate
Last action
March 18, 2026
Session law
Chapter 107, Laws of 2026
Requested by
Other
Budget
Has a fiscal note
Versions
SB 5720, SSB 5720

AN ACT Relating to the uniform consumer debt default judgments act;

Sponsors

Prime sponsor: Jamie Pedersen (D-43)

1 co-sponsor (0 Democrats, 1 Republican)

Judy Warnick R-13

Votes

Senate · 3rd Reading & Final Passage

Passed February 5, 2026
Version voted on: SSB 5720
47 Yea 0 Nay 0 Absent 2 Excused
PartyYeaNayAbsentExcused
Democrat28002
Republican19000
How each member voted

Yea (47)

Excused (2)

Permalink to this vote

House · 3rd Reading & Final Passage

Passed March 4, 2026
Version voted on: SSB 5720
93 Yea 1 Nay 0 Absent 4 Excused
PartyYeaNayAbsentExcused
Democrat56003
Republican37101
How each member voted

Yea (93)

Nay (1)

Excused (4)

Permalink to this vote

History

  1. Effective date 1/1/2027. (SSB 5720)
  2. Chapter 107, 2026 Laws. (SSB 5720)
  3. Governor signed. (SSB 5720)
  4. Delivered to Governor. (SSB 5720)
  5. President signed. (SSB 5720)
  6. Speaker signed. (SSB 5720)
  7. Third reading, passed; yeas, 93; nays, 1; absent, 0; excused, 4. (SSB 5720)
  8. Rules suspended. Placed on Third Reading. (SSB 5720)
  9. Rules Committee relieved of further consideration. Placed on second reading. (SSB 5720)
  10. Referred to Rules 2 Review. (SSB 5720)
  11. CRJ - Executive action taken by committee. (SSB 5720)
  12. CRJ - Majority; do pass. (SSB 5720)
  13. First reading, referred to Civil Rights & Judiciary. (SSB 5720)
  14. Third reading, passed; yeas, 47; nays, 0; absent, 0; excused, 2. (SSB 5720)
  15. Rules suspended. Placed on Third Reading. (SSB 5720)
  16. 1st substitute bill substituted. (SSB 5720)
  17. 1st substitute bill substituted.
  18. Placed on second reading consent calendar. (SSB 5720)
  19. Placed on second reading consent calendar.
  20. Passed to Rules Committee for second reading. (SSB 5720)
  21. Passed to Rules Committee for second reading.
  22. LAW - Majority; 1st substitute bill be substituted, do pass. (SSB 5720)
  23. LAW - Majority; 1st substitute bill be substituted, do pass.
  24. By resolution, reintroduced and retained in present status.
  25. First reading, referred to Law & Justice.

SB 5720 in other sessions

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

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