---
type: "Bill"
title: "Enacting the uniform consumer debt default judgments act."
description: "Enacting the uniform consumer debt default judgments act."
jurisdiction: "us/states/wa"
legislature: "Washington Legislature"
session: "2025-2026"
identifier: "SB 5720"
citation: "Washington SB 5720 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Pedersen"]
version_count: 3
action_count: 25
vote_count: 2
first_action: "2025-02-10"
last_action: "2026-03-18"
source: "openstates"
source_identifier: "ocd-bill/50bd4f80-9780-4860-84eb-923017db0052"
source_url: "https://app.leg.wa.gov/billsummary/?BillNumber=5720&Year=2025&Initiative=false"
source_hash: "0d60fe9078bae9effe1e96a8a7cb64a0e25bcd70d474c028db88fcf9a80dd256"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-wa"]
---

# Washington SB 5720 (2025-2026) — Enacting the uniform consumer debt default judgments act.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2025-26/Htm/Bills/Senate%20Bills/5720.htm)
2. **Substitute Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2025-26/Htm/Bills/Senate%20Bills/5720-S.htm)
3. **Substitute Passed Legislature** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2025-26/Htm/Bills/Senate%20Passed%20Legislature/5720-S.PL.htm)

## Votes

- 3rd Reading & Final Passage (#26) — **93–1** (pass) · lower
- 3rd Reading & Final Passage (#5) — **47–0** (pass) · upper

## Sponsors

- Pedersen — primary (person)
- Warnick — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-10** First reading, referred to Law & Justice. `reading-1`
- **2025-02-13** Public hearing in the Senate Committee on Law & Justice at 10:30 AM.
- **2026-01-12** By resolution, reintroduced and retained in present status.
- **2026-01-19** Public hearing in the Senate Committee on Law & Justice at 10:30 AM.
- **2026-01-22** Executive action taken in the Senate Committee on Law & Justice at 10:30 AM.
- **2026-01-22** LAW - Majority; 1st substitute bill be substituted, do pass. `substitution`
- **2026-01-23** Passed to Rules Committee for second reading.
- **2026-02-04** Placed on second reading consent calendar. `reading-2`
- **2026-02-05** 1st substitute bill substituted (LAW 26). `substitution`
- **2026-02-05** Rules suspended. Placed on Third Reading. `reading-3`
- **2026-02-05** Third reading, passed; yeas, 47; nays, 0; absent, 0; excused, 2. `reading-3`
- **2026-02-09** First reading, referred to Civil Rights & Judiciary. `reading-1`
- **2026-02-18** Public hearing in the House Committee on Civil Rights & Judiciary at 8:00 AM.
- **2026-02-24** Executive action taken in the House Committee on Civil Rights & Judiciary at 10:30 AM.
- **2026-02-24** CRJ - Majority; do pass. `committee-passage-favorable`
- **2026-02-25** Referred to Rules 2 Review. `referral-committee`
- **2026-02-27** Rules Committee relieved of further consideration. Placed on second reading. `reading-2`
- **2026-03-04** Rules suspended. Placed on Third Reading. `reading-3`
- **2026-03-04** Third reading, passed; yeas, 93; nays, 1; absent, 0; excused, 4. `reading-3`
- **2026-03-05** President signed. `passage`
- **2026-03-05** Speaker signed. `passage`
- **2026-03-09** Delivered to Governor. `executive-receipt`
- **2026-03-18** Governor signed. `executive-signature`
- **2026-03-18** Chapter 107, 2026 Laws. `became-law`
- **2026-03-18** Effective date 1/1/2027. `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/50bd4f80-9780-4860-84eb-923017db0052`. Confidence: reported (aggregated from official Washington legislature records).