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Bill > SB5651

WA SB5651

WA SB5651
Revised for 2nd Substitute: Concerning exemptions from garnishment.

summary

Introduced
02/04/2025
In Committee
03/28/2025
Crossed Over
03/12/2025
Passed
04/25/2025
Dead
Signed/Enacted/Adopted
05/20/2025

Introduced Session

2025-2026 Regular Session

Bill Summary

AN ACT Relating to exemptions from garnishment; amending RCW 2 6.15.010, 6.15.050, 6.27.140, and 6.27.100; repealing 2023 c 393 s 6, 3 and 2021 c 50 s 4 (uncodified); providing an effective date; and 4 declaring an emergency. 5

AI Summary

This bill updates Washington state's laws regarding garnishment exemptions, focusing on protecting individuals' financial assets during legal debt collection processes. The bill modifies existing statutes to adjust the dollar amounts that can be exempted from garnishment for different types of debts, including private student loan debt, consumer debt, and other general debts. Key changes include creating specific exemption limits for bank accounts based on the type of debt, with different thresholds for individuals and married couples or domestic partnerships. The bill also introduces a mechanism for automatically adjusting these dollar amounts every three years based on the consumer price index, starting July 1, 2027. Additionally, the legislation updates various legal forms and notices related to garnishment to reflect these new exemption amounts, ensuring that individuals are clearly informed about their rights when facing debt collection. The bill takes effect on July 1, 2025, and is designed to provide more comprehensive and flexible financial protections for Washington state residents facing garnishment proceedings.

Committee Categories

Budget and Finance, Justice

Sponsors (8)

Last Action

Effective date 7/1/2025. (on 05/20/2025)

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bill summary

Document Type Source Location
State Bill Page https://app.leg.wa.gov/billsummary?BillNumber=5651&Year=2025&Initiative=false
BillText https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5651-S2.SL.pdf
BillText https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Senate%20Passed%20Legislature/5651-S2.PL.pdf
Final Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651-S2.E%20SBR%20FBR%2025.pdf
Engrossed Second Substitute House Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/House/5651-S2.E%20HBR%20APH%2025.pdf
Engrossed Second Substitute Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651-S2.E%20SBR%20HA%2025.pdf
Goodman 5651-S2.E AMH GOOD ADAM 242 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/House/5651-S2.E%20AMH%20GOOD%20ADAM%20242.pdf
Engrossed Second Substitute House Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/House/5651-S2.E%20HBR%20CRJ%2025.pdf
Engrossed Second Substitute House Bill Analysis 2025 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/House/5651-S2.E%20HBA%20CRJ%2025.pdf
Engrossed Second Substitute Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651-S2.E%20SBR%20APS%2025.pdf
BillText https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Senate%20Bills/5651-S2.E.pdf
Fortunato 5651-S2 AMS FORT S2067.3 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/Senate/5651-S2%20AMS%20FORT%20S2067.3.pdf
Fortunato 5651-S2 AMS FORT S2066.3 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/Senate/5651-S2%20AMS%20FORT%20S2066.3.pdf
Alvarado 5651-S2 AMS ALVA S2293.2 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/Senate/5651-S2%20AMS%20ALVA%20S2293.2.pdf
Holy 5651-S2 AMS HOLY S2072.1 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/Senate/5651-S2%20AMS%20HOLY%20S2072.1.pdf
Fortunato 5651-S2 AMS FORT S2066.1 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/Senate/5651-S2%20AMS%20FORT%20S2066.1.pdf
Alvarado 5651-S2 AMS ALVA S2073.3 https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Amendments/Senate/5651-S2%20AMS%20ALVA%20S2073.3.pdf
BillText https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Senate%20Bills/5651-S2.pdf
Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651%20SBR%20WM%20OC%2025.pdf
Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651%20SBR%20WM%20TA%2025.pdf
Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651%20SBA%20WM%2025.pdf
BillText https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Senate%20Bills/5651-S.pdf
Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651%20SBR%20LAW%20OC%2025.pdf
Senate Bill Report https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651%20SBR%20LAW%20TA%2025.pdf
Senate Bill Report (Orig.) https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5651%20SBA%20LAW%2025.pdf
BillText https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Senate%20Bills/5651.pdf
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