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Bill

HB 2256

Concerning termination of unauthorized Uniform Commercial Code filings.

2025-2026 Regular Session Introduced by Cindy Ryu

HB 2256 enables Washington residents to terminate unauthorized UCC filings damaging their credit and financial standing without court intervention.

First reading, referred to Civil Rights & Judiciary.
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WeVote Research Nonpartisan
Bill Summary · HB 2256

Legislative bill overview

HB 2256 establishes a mechanism for individuals to terminate unauthorized Uniform Commercial Code (UCC) filings against them. UCC filings are legal documents that create security interests in personal property, and fraudulent or unauthorized filings can damage credit and create financial liability. This bill would allow affected parties to formally remove such filings from the public record.

Why is this important

Unauthorized UCC filings are sometimes used in fraud schemes or filed maliciously to harm individuals financially and legally. Victims currently have limited remedies and may struggle to clear their records, affecting their ability to obtain credit, conduct business, or secure loans. This bill addresses a gap in consumer protection by providing a direct termination process.

Potential points of contention

  • Definition and verification of "unauthorized": The bill must clearly define what constitutes an unauthorized filing and establish how someone proves they didn't authorize it, balancing access with preventing misuse of the termination process
  • Protections for legitimate secured creditors: Procedures must distinguish between fraudulent filings and legitimate security interests, avoiding interference with lawful creditor rights
  • Notice and due process requirements: Questions remain about whether filers receive notification of termination requests and what opportunity they have to contest removal of filings they claim are valid

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

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