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SB5993 • 2026

Medical debt interest

Prohibiting interest charges for new and unpaid medical debt.

Healthcare Labor Taxes
Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Senator Alvarado, Senator Riccelli, Senator Bateman, Senator Conway, Senator Frame, Senator Hasegawa, Senator Liias, Senator Lovelett, Senator Lovick, Senator Nobles, Senator Orwall, Senator Slatter, Senator Stanford, Senator Trudeau, Senator Valdez, Senator C. Wilson
Last action
2026-02-06
Official status
S subst for
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Medical debt interest

Medical debt interest

What This Bill Does

  • Medical debt interest

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

NOT CONSIDERED

Plain English: 5993-S.E AMH THAI H3694.4 ESSB 5993 - H AMD 2192 By Representative Thai NOT CONSIDERED 03/12/2026 Strike everything after the enacting clause and insert the 1 following: 2 "Sec.

  • 5993-S.E AMH THAI H3694.4 ESSB 5993 - H AMD 2192 By Representative Thai NOT CONSIDERED 03/12/2026 Strike everything after the enacting clause and insert the 1 following: 2 "Sec.
  • 1.
  • RCW 19.52.010 and 2019 c 227 s 5 are each amended to 3 read as follows: 4 (1) Except as provided in subsection (2) of this section, every 5 loan or forbearance of money, goods, or thing in action shall bear 6 interest at the rate of twelve percent per annum where no different 7 rate is agreed to in writing between the parties: PROVIDED, That with 8 regard to any transaction heretofore or hereafter entered into 9 subject to this section, if an agreement in writing between the 10 parties evidencing such transaction provides for the payment of money 11 at the end of an agreed period of time or in installments over an 12 agreed period of time, then such agreement shall constitute a writing 13 for purposes of this section and satisfy the requirements thereof.
  • 14 The discounting of commercial paper, where the borrower makes himself 15 or herself liable as maker, guarantor, or indorser, shall be 16 considered as a loan for the purposes of this chapter.17 (2)(a) ((Prejudgment)) For any medical debt incurred after 18 December 31, 2026, interest may not be charged or collected ((on 19 medical debt, as defined in RCW 19.16.100, must not exceed nine 20 percent)) in excess of a simple interest rate of three percent per 21 year.
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH THAI STER 164 1 - Official Print By Representative Thai EFFECT: Clarifies that the prohibition on hospitals charging any interest on medical debt for which the hospital has not completed any required initial determination of sponsorship status in compliance with chapter 70.170 RCW applies to any health care services that are owed to the hospital.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH THAI STER 164 1 - Official Print By Representative Thai EFFECT: Clarifies that the prohibition on hospitals charging any interest on medical debt for which the hospital has not completed any required initial determination of sponsorship status in compliance with chapter 70.170 RCW applies to any health care services that are owed to the hospital.
  • 5993-S.E AMH THAI STER 164 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2297 NOT CONSIDERED 03/12/2026 On page 1, line 28 of the striking amendment, after "48.43.005," insert "that are owed to a hospital" On page 3, line 28 of the striking amendment, after "48.43.005," insert "that are owed to a hospital" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 157 1 - Official Print By Representative Walsh EFFECT: Increases the interest for medical debt claims after the entry of judgment to nine percent from the three percent maximum established in the striking amendment.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 157 1 - Official Print By Representative Walsh EFFECT: Increases the interest for medical debt claims after the entry of judgment to nine percent from the three percent maximum established in the striking amendment.
  • 5993-S.E AMH WALJ STER 157 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2305 NOT CONSIDERED 03/12/2026 On page 1, line 19 of the striking amendment, after "2026," insert "prejudgment" On page 3, line 20 of the striking amendment, after "2026," insert "prejudgment" On page 5, beginning on line 13 of the striking amendment, after "at" strike all material through "19.52.020" on line 14 and insert "a rate of nine percent" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 158 1 - Official Print By Representative Walsh EFFECT: Removes the three percent limit on medical debt in a written agreement established in the striking amendment and authorizes interest to be charged or collected on such debt at the rate established in the written agreement concerning such medical debt.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 158 1 - Official Print By Representative Walsh EFFECT: Removes the three percent limit on medical debt in a written agreement established in the striking amendment and authorizes interest to be charged or collected on such debt at the rate established in the written agreement concerning such medical debt.
  • 5993-S.E AMH WALJ STER 158 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2306 NOT CONSIDERED 03/12/2026 On page 3, beginning on line 21 of the striking amendment, after "nine" strike all material through "year" on line 22 of the striking amendment and insert "percent)) in excess of the rate established in the written agreement" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 159 1 - Official Print By Representative Walsh EFFECT: Excludes any debt that is the result of cosmetic or elective procedures from being capped at the lower interest rate that applies to medical debt.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 159 1 - Official Print By Representative Walsh EFFECT: Excludes any debt that is the result of cosmetic or elective procedures from being capped at the lower interest rate that applies to medical debt.
  • 5993-S.E AMH WALJ STER 159 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2307 NOT CONSIDERED 03/12/2026 On page 2, line 12 of the striking amendment, after "19.16.100" insert ", except that it does not include any debt that relates to cosmetic or elective procedures that are, or could have been, scheduled in advance and for which a delay of 72 hours or more in the delivery of medical treatment or diagnosis would not have substantially affected the health of the patient" On page 4, line 4 of the striking amendment, after "19.16.100" insert ", except that it does not include any debt that relates to cosmetic or elective procedures that are, or could have been, scheduled in advance and for which a delay of 72 hours or more in the delivery of medical treatment or diagnosis would not have substantially affected the health of the patient" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 160 1 - Official Print By Representative Walsh EFFECT: The provisions of the bill expire on July 1, 2029, after which the current provisions for the permissible interest rate on medical debt are reinstated.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 160 1 - Official Print By Representative Walsh EFFECT: The provisions of the bill expire on July 1, 2029, after which the current provisions for the permissible interest rate on medical debt are reinstated.
  • 5993-S.E AMH WALJ STER 160 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2308 NOT CONSIDERED 03/12/2026 On page 5, after line 27 of the striking amendment, insert the following: "NEW SECTION.
  • Sec.
  • 5.
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 161 1 - Official Print By Representative Walsh EFFECT: Exempts health care providers and facilities that have ten or less employees from the restrictions on the interest rate that may be charged or collected on medical debt under the striking amendment.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 161 1 - Official Print By Representative Walsh EFFECT: Exempts health care providers and facilities that have ten or less employees from the restrictions on the interest rate that may be charged or collected on medical debt under the striking amendment.
  • 5993-S.E AMH WALJ STER 161 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2309 NOT CONSIDERED 03/12/2026 On page 1, line 18 of the striking amendment, after "((Prejudgment))" strike "For" and insert "Except as provided in (d) of this subsection (2), for" On page 2, line 11 of the striking amendment, after "(d)" insert "The maximum interest rate imposed in this subsection (2) shall not apply to medical debt related to health care services as defined in RCW 48.43.005 that are provided to a patient by a health care provider or health care facility as defined in RCW 48.43.005 that has a total number of employees of ten or less.
  • (e)" On page 3, line 19 of the striking amendment, after "((Prejudgment))" strike "For" and insert "Except as provided in (d) of this subsection (4), for" On page 4, line 3 of the striking amendment, after "(d)" insert "The maximum interest rate imposed in this subsection (2) shall not apply to medical debt related to health care services as defined in RCW 48.43.005 that are provided to a patient by a health care provider or health care facility as defined in RCW 48.43.005 that has a total number of employees of ten or less.
  • (e)" 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 5993-S.E AMH WALJ STER 161 2 - Official Print --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 162 1 - Official Print By Representative Walsh EFFECT: Limits the three percent cap on the interest rate for medical debt that is established in the striking amendment to debt that is owed for services provided by a hospital.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 162 1 - Official Print By Representative Walsh EFFECT: Limits the three percent cap on the interest rate for medical debt that is established in the striking amendment to debt that is owed for services provided by a hospital.
  • 5993-S.E AMH WALJ STER 162 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2310 NOT CONSIDERED 03/12/2026 On page 1, line 19 of the striking amendment, after "2026," insert "that is the result of a service provided by a hospital," On page 3, line 20 of the striking amendment, after "2026," insert "that is the result of a service provided by a hospital," --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 163 1 - Official Print By Representative Walsh EFFECT: Excludes any debt that is the result of a dental procedure from the definition of medical debt for the purposes of the three percent interest rate maximum established in the striking amendment.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 163 1 - Official Print By Representative Walsh EFFECT: Excludes any debt that is the result of a dental procedure from the definition of medical debt for the purposes of the three percent interest rate maximum established in the striking amendment.
  • 5993-S.E AMH WALJ STER 163 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2311 NOT CONSIDERED 03/12/2026 On page 2, line 12 of the striking amendment, after "19.16.100" insert ", but does not include any debt that relates to services provided by the practice of dentistry as defined in RCW 18.32.020" On page 4, line 4 of the striking amendment, after "19.16.100" insert ", but does not include any debt that relates to services provided by the practice of dentistry as defined in RCW 18.32.020" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 165 1 - Official Print By Representative Walsh EFFECT: Applies a maximum permissible interest rate of nine percent on judgments for multiple debt claims that include debt that is not medical debt, rather than the limit of one percent interest on judgments for a claim that only relates to medical debt.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 165 1 - Official Print By Representative Walsh EFFECT: Applies a maximum permissible interest rate of nine percent on judgments for multiple debt claims that include debt that is not medical debt, rather than the limit of one percent interest on judgments for a claim that only relates to medical debt.
  • 5993-S.E AMH WALJ STER 165 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2312 NOT CONSIDERED 03/12/2026 On page 1, line 18 of the striking amendment, after "((Prejugment))" strike "For" and insert "Except as provided in (d) of this subsection (2), for" On page 2, line 11 of the striking amendment, after "(d)" insert "For any judgments for medical debt that include additional debt claims that are not medical debt, interest on such judgment may not be charged or collected in excess of a simple interest rate of nine percent per year.
  • (e)" On page 3, line 19 of the striking amendment, after "((Prejugment))" strike "For" and insert "Except as provided in (d) of this subsection (4), for" On page 4, line 3 of the striking amendment, after "(d)" insert "For any judgments for medical debt that include additional debt claims that are not medical debt, interest on such judgment may not be charged or collected in excess of a simple interest rate of nine percent per year.
  • (e)" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 166 1 - Official Print By Representative Walsh EFFECT: Increases the maximum permissible rate of interest charged or collected on medical debt to six percent from the three percent maximum in the striking amendment.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 166 1 - Official Print By Representative Walsh EFFECT: Increases the maximum permissible rate of interest charged or collected on medical debt to six percent from the three percent maximum in the striking amendment.
  • 5993-S.E AMH WALJ STER 166 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2313 NOT CONSIDERED 03/12/2026 On page 1, line 21 of the striking amendment, after "rate of" strike "three" and insert "six" On page 3, line 22 of the striking amendment, after "rate of" strike "three" and insert "six" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 167 1 - Official Print By Representative Walsh EFFECT: Exempts services provided by a rural health care facility from the definition of medical debt and the restriction on the interest rate charged or collected on medical debt.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 167 1 - Official Print By Representative Walsh EFFECT: Exempts services provided by a rural health care facility from the definition of medical debt and the restriction on the interest rate charged or collected on medical debt.
  • 5993-S.E AMH WALJ STER 167 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2314 NOT CONSIDERED 03/12/2026 On page 2, line 12 of the striking amendment, after "19.16.100" insert ", but does not include any debt that relates to services provided by a rural health care facility as defined in RCW 70.175.020" On page 4, line 4 of the striking amendment, after "19.16.100" insert ", but does not include any debt that relates to services provided by a rural health care facility as defined in RCW 70.175.020" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 168 1 - Official Print By Representative Walsh EFFECT: Prohibits any interest to be charged or collected on medical debt until 120 days after the party responsible for the debt has received the initial billing statement for such medical debt.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 168 1 - Official Print By Representative Walsh EFFECT: Prohibits any interest to be charged or collected on medical debt until 120 days after the party responsible for the debt has received the initial billing statement for such medical debt.
  • 5993-S.E AMH WALJ STER 168 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2315 NOT CONSIDERED 03/12/2026 On page 2, line 11 of the striking amendment, after "(d)" insert "No interest on any medical debt may begin to be charged or collected until at least 120 days after the initial billing statement for that medical debt has been transmitted to the patient or responsible party.
  • (e)" On page 4, line 3 of the striking amendment, after "(d)" insert "No interest on any medical debt may begin to be charged or collected until at least 120 days after the initial billing statement for that medical debt has been transmitted to the patient or responsible party.
  • (e)" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 169 1 - Official Print By Representative Walsh EFFECT: (1) Removes the interest rate cap of one percent on all medical debt and replaces it in the following manner:  One percent interest for medical debt that totals less than $1,250;  Three percent interest for medical debt that is less than $2,500, but at least $1,250; 5993-S.E AMH WALJ STER 169 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2316 NOT CONSIDERED 03/12/2026 On page 1, beginning on line 21 of the striking amendment, after "excess of" strike all material through "year" on line 22 of the striking amendment and insert ": (i) For medical debt that is less than $1,250, a simple interest rate of one percent per year; (ii) For medical debt that is less than $2,500, but at least $1,250, a simple interest rate of three percent per year; (iii) For medical debt that is less than $4,000, but at least $2,500, a simple interest rate of six percent per year; and (iv) For medical debt that is $4,000 or more, a simple interest rate of nine percent per year" On page 3, line 22 of the striking amendment, after "excess of" strike all material through "year" and insert "((percent)): (i) For medical debt that is less than $1,250, a simple interest rate of one percent per year; (ii) For medical debt that is less than $2,500, but at least $1,250, a simple interest rate of three percent per year; (iii) For medical debt that is less than $4,000, but at least $2,500, a simple interest rate of six percent per year; and (iv) For medical debt that is $4,000 or more, a simple interest rate of nine percent per year" 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 5993-S.E AMH WALJ STER 169 2 - Official Print  Six percent interest for medical debt that is less than $4,000, but at least $2,500; and  Nine percent interest for medical debt that is $4,000 or more.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 169 1 - Official Print By Representative Walsh EFFECT: (1) Removes the interest rate cap of one percent on all medical debt and replaces it in the following manner:  One percent interest for medical debt that totals less than $1,250;  Three percent interest for medical debt that is less than $2,500, but at least $1,250; 5993-S.E AMH WALJ STER 169 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2316 NOT CONSIDERED 03/12/2026 On page 1, beginning on line 21 of the striking amendment, after "excess of" strike all material through "year" on line 22 of the striking amendment and insert ": (i) For medical debt that is less than $1,250, a simple interest rate of one percent per year; (ii) For medical debt that is less than $2,500, but at least $1,250, a simple interest rate of three percent per year; (iii) For medical debt that is less than $4,000, but at least $2,500, a simple interest rate of six percent per year; and (iv) For medical debt that is $4,000 or more, a simple interest rate of nine percent per year" On page 3, line 22 of the striking amendment, after "excess of" strike all material through "year" and insert "((percent)): (i) For medical debt that is less than $1,250, a simple interest rate of one percent per year; (ii) For medical debt that is less than $2,500, but at least $1,250, a simple interest rate of three percent per year; (iii) For medical debt that is less than $4,000, but at least $2,500, a simple interest rate of six percent per year; and (iv) For medical debt that is $4,000 or more, a simple interest rate of nine percent per year" 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 5993-S.E AMH WALJ STER 169 2 - Official Print  Six percent interest for medical debt that is less than $4,000, but at least $2,500; and  Nine percent interest for medical debt that is $4,000 or more.
  • (2) Makes technical corrections to restructure existing provisions.
  • END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 170 1 - Official Print By Representative Walsh EFFECT: Removes the three percent cap on the maximum interest rate for medical debt that is less than $500 and replaces it with a maximum interest rate of nine percent.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 170 1 - Official Print By Representative Walsh EFFECT: Removes the three percent cap on the maximum interest rate for medical debt that is less than $500 and replaces it with a maximum interest rate of nine percent.
  • 5993-S.E AMH WALJ STER 170 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2317 NOT CONSIDERED 03/12/2026 On page 1, line 18 of the striking amendment, after "((Prejudgment))" strike "For" and insert "(i) Except as provided in (a)(ii) of this subsection (2), for" On page 1, after line 22 of the striking amendment, insert the following: "(ii) For any medical debt that is less than $500, interest may not be charged or collected in excess of a simple rate of nine percent per year." On page 3, line 19 of the striking amendment, after "((Prejudgment))" strike "For" and insert "(i) Except as provided in (a)(ii) of this subsection (4), for" On page 3, after line 22 of the striking amendment, insert the following: "(ii) For any medical debt that is less than $500, interest may not be charged or collected in excess of a simple rate of nine percent per year." --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 171 1 - Official Print By Representative Walsh EFFECT: Authorizes a health care provider or facility to submit a claim to the Legislature for reimbursement of lost revenue that results from the reduction in the permissible interest rate on medical debt that is established in the underlying bill.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 171 1 - Official Print By Representative Walsh EFFECT: Authorizes a health care provider or facility to submit a claim to the Legislature for reimbursement of lost revenue that results from the reduction in the permissible interest rate on medical debt that is established in the underlying bill.
  • 5993-S.E AMH WALJ STER 171 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2318 NOT CONSIDERED 03/12/2026 On page 5, after line 26 of the striking amendment, insert the following: "NEW SECTION.
  • Sec.
  • 4.
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 172 1 - Official Print By Representative Walsh EFFECT: Exempts the enforcement of liens for medical services from the restrictions on interest rates that are applicable to medical debt.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 172 1 - Official Print By Representative Walsh EFFECT: Exempts the enforcement of liens for medical services from the restrictions on interest rates that are applicable to medical debt.
  • 5993-S.E AMH WALJ STER 172 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2319 NOT CONSIDERED 03/12/2026 On page 1, line 18 of the striking amendment, after "((Prejudgment))" strike "For" and insert "Except as provided in (d) of this subsection (2), for" On page 2, line 11 of the striking amendment, after "(d)" insert "Nothing in this subsection (2) shall affect or impair the ability to obtain and enforce a lien authorized under chapter 60.44 RCW.
  • (e)" On page 3, line 19 of the striking amendment, after "((Prejudgment))" strike "For" and insert "Except as provided in (d) of this subsection (4), for" On page 4, line 3 of the striking amendment, after "(d)" insert "Nothing in this subsection (4) shall affect or impair the ability to obtain and enforce a lien authorized under chapter 60.44 RCW.
  • (e)" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 173 1 - Official Print By Representative Walsh EFFECT: Removes all the provisions of the striking amendment and replaces them with a requirement for the Washington State Institute for Public Policy to conduct an analysis of Washington's maximum permissible interest rate for medical debt in comparison to the permissible interest rates on medical debt in other states and to provide a report of the analysis to the Legislature by January 1, 2027.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 173 1 - Official Print By Representative Walsh EFFECT: Removes all the provisions of the striking amendment and replaces them with a requirement for the Washington State Institute for Public Policy to conduct an analysis of Washington's maximum permissible interest rate for medical debt in comparison to the permissible interest rates on medical debt in other states and to provide a report of the analysis to the Legislature by January 1, 2027.
  • 5993-S.E AMH WALJ STER 173 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2320 NOT CONSIDERED 03/12/2026 On page 1 of the striking amendment, strike all material after line 2 and insert the following: "NEW SECTION Sec.
  • 1.
  • (1) The Washington state institute for public policy shall conduct an outcome evaluation and benefit-cost analysis of Washington's maximum permissible interest rate for medical debt in comparison to the permissible interest rates on medical debt in other states.
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 174 1 - Official Print By Representative Walsh EFFECT: Authorizes an interest rate of nine percent per year to be charged or collected on medical debt if such debt is referred to a collection agency that is incorporated in Washington or has its principal place of business in Washington and employs Washington residents.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 174 1 - Official Print By Representative Walsh EFFECT: Authorizes an interest rate of nine percent per year to be charged or collected on medical debt if such debt is referred to a collection agency that is incorporated in Washington or has its principal place of business in Washington and employs Washington residents.
  • 5993-S.E AMH WALJ STER 174 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2321 NOT CONSIDERED 03/12/2026 On page 1, line 18 of the striking amendment, after "((Prejugment))" strike "For" and insert "Except as provided in (d) of this subsection (2), for" On page 2, line 11 of the striking amendment, after "(d)" insert "For any medical debt that is referred to a collection agency as defined in RCW 19.16.100 that is incorporated in Washington or has its principal place of business in Washington and employs Washington residents, interest may not be charged or collected in excess of a simple rate of nine percent per year.
  • (e)" On page 3, line 19 of the striking amendment, after "((Prejugment))" strike "For" and insert "Except as provided in (d) of this subsection (2), for" On page 4, line 3 of the striking amendment, after "(d)" insert "For any medical debt that is referred to a collection agency as defined in RCW 19.16.100 that is incorporated in Washington or has its principal place of business in Washington and employs Washington residents, interest may not be charged or collected in excess of a simple rate of nine percent per year.
  • (e)" 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 5993-S.E AMH WALJ STER 174 2 - Official Print --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 175 1 - Official Print By Representative Walsh EFFECT: Authorizes health care providers and facilities to assess a $5 collection fee for unpaid medical debt claims that are referred to a collection agency.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ STER 175 1 - Official Print By Representative Walsh EFFECT: Authorizes health care providers and facilities to assess a $5 collection fee for unpaid medical debt claims that are referred to a collection agency.
  • 5993-S.E AMH WALJ STER 175 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2322 NOT CONSIDERED 03/12/2026 On page 2, after line 25 of the striking amendment, insert the following: "(4) For unpaid medical debt, a health care provider or health care facility, as defined in RCW 48.43.005, may assess a one-time collection fee of $5 for each account that is referred to a collection agency as defined in RCW 19.16.100." On page 4, after line 4 of the striking amendment, insert the following: "(5) For unpaid medical debt, a health care provider or health care facility, as defined in RCW 48.43.005, may assess a one-time collection fee of $5 for each account that is referred to a collection agency as defined in RCW 19.16.100." --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ ADAM 336 1 - Official Print By Representative Walsh EFFECT: Provides that legislative privilege does not apply to internal deliberations concerning the act.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALJ ADAM 336 1 - Official Print By Representative Walsh EFFECT: Provides that legislative privilege does not apply to internal deliberations concerning the act.
  • Provides that internal deliberations include drafts, notes, recommendations, and internal and interbranch communications that express opinions or formulate or recommend policies.
  • 5993-S.E AMH WALJ ADAM 336 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2323 NOT CONSIDERED 03/12/2026 On page 5, after line 26 of the striking amendment, insert the following: "NEW SECTION.
  • Sec.
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 179 1 - Official Print By Representative Walen EFFECT: Specifies that the nine percent interest rate cap for prejudgment interest on medical debt under current law continues to apply to medical debt that is incurred prior to the effective date of the act.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 179 1 - Official Print By Representative Walen EFFECT: Specifies that the nine percent interest rate cap for prejudgment interest on medical debt under current law continues to apply to medical debt that is incurred prior to the effective date of the act.
  • 5993-S.E AMH WALE STER 179 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2417 NOT CONSIDERED 03/12/2026 On page 1, line 18 of the striking amendment, after "((Prejudgment))" insert "(i)" On page 1, after line 22 of the striking amendment, insert the following: "(ii) For any medical debt incurred as of December 31, 2026, prejudgment interest charged or collected must not exceed nine percent." On page 3, line 19 of the striking amendment, after "((Prejudgment))" insert "(i)" On page 3, after line 22 of the striking amendment, insert the following: "(ii) For any medical debt incurred as of December 31, 2026, prejudgment interest charged or collected must not exceed nine percent." --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 180 1 - Official Print By Representative Walen EFFECT: (1) Specifies that judgments for unpaid medical debt that are entered prior to the effective date of the act will bear interest at the current rate for unpaid consumer debt while judgments for medical debt that are entered after the effective date will bear interest at a rate of three percent.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 180 1 - Official Print By Representative Walen EFFECT: (1) Specifies that judgments for unpaid medical debt that are entered prior to the effective date of the act will bear interest at the current rate for unpaid consumer debt while judgments for medical debt that are entered after the effective date will bear interest at a rate of three percent.
  • (2) Clarifies that the changes to interest after the entry of judgment are prospective and do not alter or apply to judgments entered prior to the effective date of the act.
  • 5993-S.E AMH WALE STER 180 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2418 NOT CONSIDERED 03/12/2026 On page 5, line 12 of the striking amendment, after "(6)" insert "(a)" On page 5, beginning on line 13 of the striking amendment, after "entry" strike all material through "thereof" on line 15 and insert "as follows: (i) For judgments that are entered after December 31, 2026, at a rate of three percent; and (ii) For judgments that are entered until December 31, 2026, at the rate for unpaid consumer debt under subsection (5) of this section.
  • (b) Nothing in this subsection shall be construed to alter or apply to judgments entered prior to the effective date of this section, and such judgments shall continue to bear interest at the rate specified in the judgment" --- END
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 182 1 - Official Print By Representative Walen 5993-S.E AMH WALE STER 182 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2419 NOT CONSIDERED 03/12/2026 On page 1, line 31 of the striking amendment, after "RCW;" insert "or" On page 2, beginning on line 1 of the striking amendment, after "(ii)" strike all material through "refunded" on line 10 of the striking amendment and insert " That is later determined by either of the following to be invalid or not lawfully owed: (A) A court of competent jurisdiction, except a bankruptcy court; or (B) The health care facility or health care provider that provided the health care services, as those terms are defined in RCW 48.43.005.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 182 1 - Official Print By Representative Walen 5993-S.E AMH WALE STER 182 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2419 NOT CONSIDERED 03/12/2026 On page 1, line 31 of the striking amendment, after "RCW;" insert "or" On page 2, beginning on line 1 of the striking amendment, after "(ii)" strike all material through "refunded" on line 10 of the striking amendment and insert " That is later determined by either of the following to be invalid or not lawfully owed: (A) A court of competent jurisdiction, except a bankruptcy court; or (B) The health care facility or health care provider that provided the health care services, as those terms are defined in RCW 48.43.005.
  • (c) Any interest on medical debt charged or collected on or after the effective date of this section is void and must be refunded for any portion of the medical debt that is later: (i) Reduced or eliminated under chapter 70.170 RCW; or (ii) Determined by either of the following to be invalid or not lawfully owed: (A) A court of competent jurisdiction, except a bankruptcy court; or (B) The health care facility or health care provider that provided the health care services, as those terms are defined in RCW 48.43.005" On page 3, line 31 of the striking amendment, after "RCW;" insert "or" 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 5993-S.E AMH WALE STER 182 2 - Official Print EFFECT: (1) Specifies that the prohibition on interest being charged or collected on medical debt applies to debt that is later determined to be invalid or not lawfully owed by:  A court of competent jurisdiction, but not including a bankruptcy court; or  The health care facility or provider that provided the health care services.
  • (2) Specifies that any interest charged or collected prospectively on medical debt is void and must be refunded for any portion of such debt that is later:  Reduced or eliminated pursuant to the provisions of law related to charity care; or  Determined to be invalid or not lawfully owed by a court, excluding a bankruptcy court, or the health care facility or provider that provided the health care services related to such debt.
  • On page 3, beginning on line 32 of the striking amendment, after "(ii)" strike all material through "refunded" on page 4, line 2 of the striking amendment and insert " That is later determined by either of the following to be invalid or not lawfully owed: (A) A court of competent jurisdiction, except a bankruptcy court; or (B) The health care facility or health care provider that provided the health care services, as those terms are defined in RCW 48.43.005.
NOT CONSIDERED

Plain English: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 183 1 - Official Print By Representative Walen EFFECT: (1) Increases the interest rate on judgments for unpaid medical debt that are entered after the effective date to six percent from the three percent maximum established in the striking amendment.

  • 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 5993-S.E AMH WALE STER 183 1 - Official Print By Representative Walen EFFECT: (1) Increases the interest rate on judgments for unpaid medical debt that are entered after the effective date to six percent from the three percent maximum established in the striking amendment.
  • (2) Specifies that judgments for unpaid medical debt that are entered prior to the effective date of the act will bear interest at the current rate for unpaid consumer debt.
  • (3) Clarifies that the changes to interest after the entry of judgment are prospective and do not alter or apply to judgments entered prior to the effective date of the act.
  • 5993-S.E AMH WALE STER 183 ESSB 5993 - H AMD TO H AMD (H-3694.4/26) 2420 NOT CONSIDERED 03/12/2026 On page 5, line 12 of the striking amendment, after "(6)" insert "(a)" On page 5, beginning on line 13 of the striking amendment, after "entry" strike all material through "thereof" on line 15 and insert "as follows: (i) For judgments that are entered after December 31, 2026, at a rate of six percent; and (ii) For judgments that are entered until December 31, 2026, at the rate for unpaid consumer debt under subsection (5) of this section.
5993-S AMS ALVA S4518.3

537 • Alvarado

ADOPTED

Plain English: 5993-S AMS ALVA S4518.3 SSB 5993 - S AMD 537 By Senator Alvarado ADOPTED 02/06/2026 On page 2, beginning on line 8, after " (i)" strike all material 1 through " RCW;" on line 9 and insert " The hospital has not completed 2 any required charity care screening and initial determination 3 conducted in compliance with chapter 70.170 RCW" 4 On page 2, line 12, after " is" insert " later determined by a 5 court of competent jurisdiction or by operation of law to be"6 On page 2, line 12, after "enforceable" insert ".7 (c) If a medical debt is later reduced or eliminated under 8 chapter 70.170 RCW, or is later determined to be invalid, not 9 lawfully owed, or not legally enforceable, any interest charged or 10 collected on or after the effective date of this section on the 11 portion of the medical debt reduced or eliminated is void and must be 12 refunded" 13 EFFECT: • Clarifies requirements for not charging or collecting interest on medical debt related to charity care screening and determination.

  • 5993-S AMS ALVA S4518.3 SSB 5993 - S AMD 537 By Senator Alvarado ADOPTED 02/06/2026 On page 2, beginning on line 8, after " (i)" strike all material 1 through " RCW;" on line 9 and insert " The hospital has not completed 2 any required charity care screening and initial determination 3 conducted in compliance with chapter 70.170 RCW" 4 On page 2, line 12, after " is" insert " later determined by a 5 court of competent jurisdiction or by operation of law to be"6 On page 2, line 12, after "enforceable" insert ".7 (c) If a medical debt is later reduced or eliminated under 8 chapter 70.170 RCW, or is later determined to be invalid, not 9 lawfully owed, or not legally enforceable, any interest charged or 10 collected on or after the effective date of this section on the 11 portion of the medical debt reduced or eliminated is void and must be 12 refunded" 13 EFFECT: • Clarifies requirements for not charging or collecting interest on medical debt related to charity care screening and determination.
  • • Clarifies when medical debt is not legally enforceable as later determined by a court or by operation of law.
  • • Requires that interest collected which is invalid, not lawfully owed, or not legally enforceable, must be refunded.
  • END --- Code Rev/RR:eab 1 S-4518.3/26 3rd draft
5993-S AMS WARN S4695.1

540 • Warnick

ADOPTED

Plain English: 5993-S AMS WARN S4695.1 SSB 5993 - S AMD 540 By Senator Warnick ADOPTED 02/06/2026 On page 1, line 19, after " (a)" strike " ((Prejudgment interest)) 1 Interest" and insert "(( Prejudgment)) For any medical debt accrued 2 after December 31, 2026, interest" 3 On page 1, line 21, after "new" strike "or unpaid"4 On page 2, line 2, after " judgment" strike ", after the effective 5 date of this section" 6 EFFECT: Makes the change to allowable interest rate on medical debt prospective and apply only to new medical debt accrued after December 31, 2026.

  • 5993-S AMS WARN S4695.1 SSB 5993 - S AMD 540 By Senator Warnick ADOPTED 02/06/2026 On page 1, line 19, after " (a)" strike " ((Prejudgment interest)) 1 Interest" and insert "(( Prejudgment)) For any medical debt accrued 2 after December 31, 2026, interest" 3 On page 1, line 21, after "new" strike "or unpaid"4 On page 2, line 2, after " judgment" strike ", after the effective 5 date of this section" 6 EFFECT: Makes the change to allowable interest rate on medical debt prospective and apply only to new medical debt accrued after December 31, 2026.
  • Removes application to existing unpaid medical debt accrued prior to December 31, 2026.
  • END --- Code Rev/AF:akl 1 S-4695.1/26
5993-S AMS WAGO S4665.1

544 • Wagoner

WITHDRAWN

Plain English: 5993-S AMS WAGO S4665.1 SSB 5993 - S AMD 544 By Senator Wagoner WITHDRAWN 02/06/2026 On page 1, line 20, after " excess of" strike all material through 1 "percent" and insert "the annualized effective federal funds rate"2 EFFECT: Amends the allowable interest from 1 percent limit to the annualized effective federal funds rate (3.64 percent for 2026).

  • 5993-S AMS WAGO S4665.1 SSB 5993 - S AMD 544 By Senator Wagoner WITHDRAWN 02/06/2026 On page 1, line 20, after " excess of" strike all material through 1 "percent" and insert "the annualized effective federal funds rate"2 EFFECT: Amends the allowable interest from 1 percent limit to the annualized effective federal funds rate (3.64 percent for 2026).
  • END --- Code Rev/AF:jlb 1 S-4665.1/26
5993-S AMS WAGO S4742.2

549 • Wagoner

NOT ADOPTED

Plain English: 5993-S AMS WAGO S4742.2 SSB 5993 - S AMD 549 By Senator Wagoner NOT ADOPTED 02/06/2026 On page 1, line 20, after " rate of " strike " one" and insert 1 "four" 2 On page 2, line 1, after " percent))" insert " except that a 3 hospital owned or operated by a health system that owns or operates 4 three or more acute hospitals licensed under chapter 70.41 RCW may 5 not charge or collect interest in excess of a simple interest rate of 6 one percent per year," 7 On page 2, beginning on line 8, after " (i)" strike all material 8 through "(ii)" on line 10 9 Renumber the remaining subsection consecutively and correct any 10 internal references accordingly.

  • 5993-S AMS WAGO S4742.2 SSB 5993 - S AMD 549 By Senator Wagoner NOT ADOPTED 02/06/2026 On page 1, line 20, after " rate of " strike " one" and insert 1 "four" 2 On page 2, line 1, after " percent))" insert " except that a 3 hospital owned or operated by a health system that owns or operates 4 three or more acute hospitals licensed under chapter 70.41 RCW may 5 not charge or collect interest in excess of a simple interest rate of 6 one percent per year," 7 On page 2, beginning on line 8, after " (i)" strike all material 8 through "(ii)" on line 10 9 Renumber the remaining subsection consecutively and correct any 10 internal references accordingly.
  • 11 On page 2, line 12, after " is" insert " later determined by a 12 court of competent jurisdiction or by operation of law to be"13 On page 2, after line 12, insert the following:14 "(c) If a medical debt is later reduced or eliminated under 15 chapter 70.170 RCW, or is later determined to be invalid, not 16 lawfully owed, or not legally enforceable, any interest charged or 17 collected on or after the effective date of this section on the 18 portion of the medical debt reduced or eliminated is void and must be 19 refunded." 20 EFFECT: Changes interest rate on medical debt from one percent to four percent, with the exception that hospitals owned or operated by a health system that owns or operates three or more acute care hospitals are limited to one percent interest rate on medical debt.
  • Removes prohibition on interest if a medical debt is subject to required reduction or waiver pursuant to hospital charity care.
  • Clarifies how a debt may be determined to be not legally enforceable.

Bill History

  1. 2026-02-06 Senate

    1st substitute bill substituted.

Official Summary Text

Medical debt interest

Current Bill Text

Read the full stored bill text
AN ACT Relating to prohibiting interest charges for new and 1
unpaid medical debt; and amending RCW 19.52.010, 6.17.020, 4.56.190, 2
and 4.56.210. 3
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:4
Sec. 1. RCW 19.52.010 and 2019 c 227 s 5 are each amended to 5
read as follows: 6
(1) Except as provided in subsection (2) of this section, every 7
loan or forbearance of money, goods, or thing in action shall bear 8
interest at the rate of twelve percent per annum where no different 9
rate is agreed to in writing between the parties: PROVIDED, That with 10
regard to any transaction heretofore or hereafter entered into 11
subject to this section, if an agreement in writing between the 12
parties evidencing such transaction provides for the payment of money 13
at the end of an agreed period of time or in installments over an 14
agreed period of time, then such agreement shall constitute a writing 15
for purposes of this section and satisfy the requirements thereof. 16
The discounting of commercial paper, where the borrower makes himself 17
or herself liable as maker, guarantor, or indorser, shall be 18
considered as a loan for the purposes of this chapter.19
(2)(((a) Prejudgment interest )) Interest may not be charged or 20
collected on new or unpaid medical debt ((, as defined in RCW 21
S-3585.1
SENATE BILL 5993
State of Washington 69th Legislature 2026 Regular Session
By Senators Alvarado, Riccelli, Bateman, Conway, Frame, Hasegawa,
Liias, Lovelett, Lovick, Nobles, Orwall, Slatter, Stanford, Trudeau,
Valdez, and C. Wilson
Prefiled 01/06/26. Read first time 01/12/26. Referred to Committee
on Law & Justice.
p. 1 SB 5993
19.16.100, must not exceed nine percent )) after the effective date of 1
this section. 2
(((b) For any medical debt for which prejudgment interest has 3
accrued or may be accruing as of July 28, 2019, no prejudgment 4
interest in excess of nine percent shall accrue thereafter.))5
(3) A lease shall not be considered a loan or forbearance for the 6
purposes of this chapter if: 7
(a) It constitutes a "consumer lease" as defined in RCW 8
63.10.020; 9
(b) It constitutes a lease-purchase agreement under chapter 63.19 10
RCW; or 11
(c) It would constitute such "consumer lease" but for the fact 12
that: 13
(i) The lessee was not a natural person; 14
(ii) The lease was not primarily for personal, family, or 15
household purposes; or 16
(iii) The total contractual obligation exceeded twenty-five 17
thousand dollars. 18
Sec. 2. RCW 6.17.020 and 2022 c 260 s 5 are each amended to read 19
as follows: 20
(1) Except as provided in subsections (2), (3), and (4) of this 21
section, the party in whose favor a judgment of a court has been or 22
may be filed or rendered, or the assignee or the current holder 23
thereof, may have an execution, garnishment, or other legal process 24
issued for the collection or enforcement of the judgment at any time 25
within 10 years from entry of the judgment or the filing of the 26
judgment in this state. 27
(2) After July 23, 1989, a party who obtains a judgment or order 28
of a court or an administrative order entered as defined in RCW 29
74.20A.020(6) for accrued child support, or the assignee or the 30
current holder thereof, may have an execution, garnishment, or other 31
legal process issued upon that judgment or order at any time within 32
10 years of the 18th birthday of the youngest child named in the 33
order for whom support is ordered. 34
(3) After June 9, 1994, a party in whose favor a judgment has 35
been filed as a foreign judgment or rendered pursuant to subsection 36
(1) or (4) of this section, or the assignee or the current holder 37
thereof, may, within 90 days before the expiration of the original 38
10-year period, apply to the court that rendered the judgment or to 39
p. 2 SB 5993
the court where the judgment was filed as a foreign judgment for an 1
order granting an additional 10 years during which an execution, 2
garnishment, or other legal process may be issued. If a district 3
court judgment of this state is transcribed to a superior court of 4
this state, the original district court judgment shall not be 5
extended and any petition under this section to extend the judgment 6
that has been transcribed to superior court shall be filed in the 7
superior court within 90 days before the expiration of the 10-year 8
period of the date the transcript of the district court judgment was 9
filed in the superior court of this state. The petitioner shall pay 10
to the court a filing fee equal to the filing fee for filing the 11
first or initial paper in a civil action in the court, except in the 12
case of district court judgments transcribed to superior court, where 13
the filing fee shall be the fee for filing the first or initial paper 14
in a civil action in the superior court where the judgment was 15
transcribed. The order granting the application shall contain an 16
updated judgment summary as provided in RCW 4.64.030. The filing fee 17
required under this subsection shall be included in the judgment 18
summary and shall be a recoverable cost. The application shall be 19
granted as a matter of right, subject to review only for timeliness, 20
factual issues of full or partial satisfaction, or errors in 21
calculating the judgment summary amounts. 22
(4)(a) A party who obtains a judgment or order for restitution 23
pursuant to a criminal judgment and sentence, or the assignee or the 24
current holder thereof, may execute, garnish, and/or have legal 25
process issued upon the judgment or order any time within 10 years 26
subsequent to the entry of the judgment and sentence or 10 years 27
following the offender's release from total confinement as provided 28
in chapter 9.94A RCW. The clerk of (([the])) the superior court, or a 29
party designated by the clerk, may seek extension under subsection 30
(3) of this section for purposes of collection as allowed under RCW 31
36.18.190, provided that no filing fee shall be required.32
(b) A party who obtains a judgment or order for court-ordered 33
legal financial obligations other than restitution, pursuant to a 34
criminal judgment and sentence, or the assignee or the current holder 35
thereof, may execute, garnish, and have legal process issued upon the 36
judgment or order any time within 10 years subsequent to the entry of 37
the judgment and sentence or 10 years following the offender's 38
release from total confinement as provided in chapter 9.94A RCW. The 39
clerk of (([the])) the superior court, or a party designated by the 40
p. 3 SB 5993
clerk, may seek extension under subsection (3) of this section for 1
purposes of collection as allowed under RCW 36.18.190, only if the 2
court finds that the offender has the current or likely future 3
ability to pay the nonrestitution legal financial obligations. A 4
person does not have the current ability to pay if the person is 5
indigent as defined in RCW 10.01.160(3). No filing fee shall be 6
required for filing a petition for an extension pursuant to this 7
subsection (4)(b). 8
(5) "Court" as used in this section includes but is not limited 9
to the United States supreme court, the United States courts of 10
appeals, the United States district courts, the United States 11
bankruptcy courts, the Washington state supreme court, the court of 12
appeals of the state of Washington, superior courts and district 13
courts of the counties of the state of Washington, and courts of 14
other states and jurisdictions from which judgment has been filed in 15
this state under chapter 6.36 ((or 6.40)) RCW. 16
(6) The perfection of any judgment lien and the priority of that 17
judgment lien on property as established by RCW 6.13.090 and chapter 18
4.56 RCW is not altered by the extension of the judgment pursuant to 19
the provisions of this section and the lien remains in full force and 20
effect and does not have to be rerecorded after it is extended. 21
Continued perfection of a judgment that has been transcribed to other 22
counties and perfected in those counties may be accomplished after 23
extension of the judgment by filing with the clerk of the other 24
counties where the judgment has been filed either a certified copy of 25
the order extending the judgment or a certified copy of the docket of 26
the matter where the judgment was extended. 27
(7) Except as ordered in RCW 4.16.020 (2) or (3), chapter 9.94A 28
RCW, or chapter 13.40 RCW, no judgment is enforceable for a period 29
exceeding 20 years from the date of entry in the originating court. 30
Nothing in this section may be interpreted to extend the expiration 31
date of a foreign judgment beyond the expiration date under the laws 32
of the jurisdiction where the judgment originated.33
(8) The chapter 261, Laws of 2002 amendments to this section 34
apply to all judgments currently in effect on June 13, 2002, to all 35
judgments extended after June 9, 1994, unless the judgment has been 36
satisfied, vacated, and/or quashed, and to all judgments filed or 37
rendered, or both, after June 13, 2002. 38
(9) Notwithstanding any other provision of this section, if a 39
judgment includes any amount of medical debt as defined in RCW 40
p. 4 SB 5993
19.16.100, execution, garnishment, or any other legal process for 1
enforcement of the judgment may be issued only within six years from 2
the date of entry. 3
(a) The extension procedure authorized under subsection (3) of 4
this section does not apply to judgments that include medical debt as 5
defined in RCW 19.16.100.6
(b) After expiration of the six-year period, the judgment is 7
unenforceable and no execution, garnishment, renewal, revival, or 8
other legal process may issue.9
(c) A judgment includes medical debt if any portion of the 10
principal amount of the judgment at the time of entry consists of 11
medical debt as defined in RCW 19.16.100.12
Sec. 3. RCW 4.56.190 and 2011 c 106 s 4 are each amended to read 13
as follows: 14
The real estate of any judgment debtor, and such as the judgment 15
debtor may acquire, not exempt by law, shall be held and bound to 16
satisfy any judgment of the district court of the United States 17
rendered in this state and any judgment of the supreme court, court 18
of appeals, superior court, or district court of this state, and 19
every such judgment shall be a lien thereupon to commence as provided 20
in RCW 4.56.200 and to run for a period of not to exceed ten years 21
from the day on which such judgment was entered unless the ten-year 22
period is extended in accordance with RCW 6.17.020(3), or unless the 23
judgment results from a criminal sentence for a crime that was 24
committed on or after July 1, 2000, in which case the lien will 25
remain in effect until the judgment is fully satisfied. As used in 26
this chapter, real estate shall not include the vendor's interest 27
under a real estate contract for judgments rendered after August 23, 28
1983. If a judgment debtor owns real estate, subject to execution, 29
jointly or in common with any other person, the judgment shall be a 30
lien on the interest of the defendant only. 31
Personal property of the judgment debtor shall be held only from 32
the time it is actually levied upon. 33
However, if a judgment includes any amount arising from medical 34
debt as defined in RCW 19.16.100, the lien continues for no more than 35
six years from the date of entry and may not be extended.36
Sec. 4. RCW 4.56.210 and 1995 c 75 s 1 are each amended to read 37
as follows: 38
p. 5 SB 5993
(1) Except as provided in subsections (2) ((and)), (3), and (4) 1
of this section, after the expiration of ten years from the date of 2
the entry of any judgment heretofore or hereafter rendered in this 3
state, it shall cease to be a lien or charge against the estate or 4
person of the judgment debtor. No suit, action or other proceeding 5
shall ever be had on any judgment rendered in this state by which the 6
lien shall be extended or continued in force for any greater or 7
longer period than ten years. 8
(2) An underlying judgment or judgment lien entered after ((the 9
effective date of this act )) July 23, 1989, for accrued child support 10
shall continue in force for ten years after the eighteenth birthday 11
of the youngest child named in the order for whom support is ordered. 12
All judgments entered after ((the effective date of this act )) July 13
23, 1989, shall contain the birthdate of the youngest child for whom 14
support is ordered. 15
(3) A lien based upon an underlying judgment continues in force 16
for an additional ten-year period if the period of execution for the 17
underlying judgment is extended under RCW 6.17.020.18
(4) A lien arising from a judgment that includes any amount of 19
medical debt as defined in RCW 19.16.100 expires six years from the 20
date of entry of the judgment and may not be renewed, revived, or 21
extended. The extension procedure under RCW 6.17.020(3) does not 22
apply to such liens.23
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p. 6 SB 5993