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Bill

Bill

HB 1599

Concerning consumer debt adjusters and debt resolution services providers.

2025-2026 Regular Session Introduced by Chris Corry and 2 co-sponsors

HB 1599 regulates Washington debt adjusters and resolution providers through licensing, fee limits, and disclosure requirements to protect vulnerable consumers from predatory practices.

Public hearing in the House Committee on Consumer Protection & Business at 1:30 PM.
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WeVote Research Nonpartisan
Bill Summary · HB 1599

Legislative bill overview

HB 1599 establishes regulatory requirements and oversight for consumer debt adjusters and debt resolution services providers in Washington state. The bill likely creates licensing requirements, fee restrictions, disclosure standards, and complaint mechanisms to protect consumers using these services.

Why is this important

Debt resolution services are frequently used by financially struggling consumers, making them vulnerable to predatory practices. Clear regulations can prevent fraudulent operators from charging excessive upfront fees or making false promises while protecting legitimate businesses through standardized rules.

Potential points of contention

  • Fee regulation vs. business viability: Caps on what debt adjusters can charge may reduce service availability in less profitable markets or limit legitimate business operations
  • Licensing burden: New licensing requirements could create barriers to entry and increase costs, potentially reducing competition and service options for consumers
  • Scope definition: Determining which services qualify as "debt resolution" versus "credit counseling" or "bankruptcy assistance" could create regulatory gray areas and enforcement challenges

Compiled from official sources — confirm details with the bill’s official record.

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