---
type: "Bill"
title: "Creating the Washington equitable access to credit act."
description: "Creating the Washington equitable access to credit act."
jurisdiction: "us/states/wa"
legislature: "Washington Legislature"
session: "2021-2022"
identifier: "HB 1015"
citation: "Washington HB 1015 (2021-2022)"
classification: ["bill"]
subjects: ["COMMERCE", "DEPARTMENT", "FINANCIAL INSTITUTIONS", "NAMED ACTS", "PUBLIC FUNDS AND ACCOUNTS", "TAX PREFERENCES - EXEMPTIONS", "CREDITS", "DEDUCTIONS", "DEFERRALS", "ETC."]
status: "enacted"
primary_sponsors: ["Maycumber"]
version_count: 4
action_count: 75
vote_count: 4
first_action: "2021-01-11T05:00:00+00:00"
last_action: "2022-03-30T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/3a67578e-8578-4bc3-b1ca-89240a9f63d9"
source_url: "http://apps.leg.wa.gov/billinfo/summary.aspx?bill=1015&year=2021"
source_hash: "21c6bdd006e35bf2261aec35e8c9f59d29289b75e65a84486f0873c617b14124"
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 HB 1015 (2021-2022) — Creating the Washington equitable access to credit 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/2021-22/Htm/Bills/House%20Bills/1015.htm)
2. **Engrossed Second Substitute Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2021-22/Htm/Bills/House%20Bills/1015-S2.E.htm)
3. **Second Substitute Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2021-22/Htm/Bills/House%20Bills/1015-S2.htm)
4. **Substitute Bill** (committee substitute) — [source](http://lawfilesext.leg.wa.gov/Biennium/2021-22/Htm/Bills/House%20Bills/1015-S.htm)

## Votes

- Final Passage (#7) — **97–0** (pass) · lower
- 3rd Reading & Final Passage as Amended by the Senate (#39) — **46–2** (pass) · upper
- Final Passage as Amended by the Senate (#7) — **98–0** (pass) · lower
- 3rd Reading & Final Passage (#11) — **95–1** (pass) · lower

## Sponsors

- Maycumber — primary (person)
- Chapman — cosponsor (person)
- Graham — cosponsor (person)
- Macri — cosponsor (person)
- Santos — cosponsor (person)
- Tharinger — cosponsor (person)

## Timeline

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

- **2021-12-09T05:00:00+00:00** Prefiled for introduction. `filing`
- **2021-01-11T05:00:00+00:00** First reading, referred to Consumer Protection & Business. `reading-1`
- **2021-01-18T05:00:00+00:00** Public hearing in the House Committee on Consumer Protection & Business at 1:30 PM.
- **2021-01-21T05:00:00+00:00** Executive action taken in the House Committee on Consumer Protection & Business at 10:00 AM.
- **2021-01-21T05:00:00+00:00** CPB - Majority; 1st substitute bill be substituted, do pass. `passage`
- **2021-01-25T05:00:00+00:00** Referred to Finance. `referral-committee`
- **2021-02-01T05:00:00+00:00** Public hearing in the House Committee on Finance at 10:00 AM.
- **2021-02-18T05:00:00+00:00** Executive action taken in the House Committee on Finance at 9:00 AM.
- **2021-02-18T05:00:00+00:00** FIN - Majority; 2nd substitute bill be substituted, do pass. `passage`
- **2021-02-18T05:00:00+00:00** Minority; without recommendation. `committee-passage-unfavorable`
- **2021-02-19T05:00:00+00:00** Referred to Appropriations. `referral-committee`
- **2021-02-22T05:00:00+00:00** Public hearing and executive action taken in the House Committee on Appropriations at 9:00 AM.
- **2021-02-22T05:00:00+00:00** APP - Majority; do pass 2nd substitute bill proposed by Finance. `committee-passage-favorable`
- **2021-02-22T05:00:00+00:00** Minority; without recommendation. `committee-passage-unfavorable`
- **2021-02-22T05:00:00+00:00** Referred to Rules 2 Review. `referral-committee`
- **2021-03-02T05:00:00+00:00** Rules Committee relieved of further consideration. Placed on second reading. `reading-2`
- **2021-03-09T05:00:00+00:00** 2nd substitute bill substituted (FIN 21). `substitution`
- **2021-03-09T05:00:00+00:00** Floor amendment(s) adopted.
- **2021-03-09T05:00:00+00:00** Rules suspended. Placed on Third Reading. `reading-3`
- **2021-03-09T05:00:00+00:00** Third reading, passed; yeas, 95; nays, 1; absent, 0; excused, 2. `reading-3`
- **2021-03-12T05:00:00+00:00** First reading, referred to Business, Financial Services & Trade. `reading-1`
- **2021-03-23T04:00:00+00:00** Public hearing in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.
- **2021-03-25T04:00:00+00:00** Executive action taken in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.
- **2021-03-25T04:00:00+00:00** BFST - Majority; do pass with amendment(s). `committee-passage-favorable`
- **2021-03-25T04:00:00+00:00** And refer to Ways & Means. `referral-committee`
- **2021-03-26T04:00:00+00:00** Referred to Ways & Means. `referral-committee`
- **2021-03-31T04:00:00+00:00** Public hearing in the Senate Committee on Ways & Means at 1:30 PM.
- **2021-04-02T04:00:00+00:00** Executive action taken in the Senate Committee on Ways & Means at 9:00 AM.
- **2021-04-02T04:00:00+00:00** WM - Majority; do pass with amendment(s) by Business, Financial Services & Trade. `committee-passage-favorable`
- **2021-04-02T04:00:00+00:00** Minority; do not pass. `committee-passage-unfavorable`
- **2021-04-02T04:00:00+00:00** Minority; without recommendation. `committee-passage-unfavorable`
- **2021-04-02T04:00:00+00:00** Passed to Rules Committee for second reading.
- **2021-04-06T04:00:00+00:00** Placed on second reading by Rules Committee. `reading-2`
- **2021-04-25T04:00:00+00:00** By resolution, returned to House Rules Committee for third reading.
- **2022-01-10T05:00:00+00:00** By resolution, reintroduced and retained in present status.
- **2022-01-17T05:00:00+00:00** Rules Committee relieved of further consideration. Placed on third reading. `reading-3`
- **2022-01-21T05:00:00+00:00** Third reading, passed; yeas, 97; nays, 0; absent, 0; excused, 1. `reading-3`
- **2022-01-25T05:00:00+00:00** First reading, referred to Business, Financial Services & Trade. `reading-1`
- **2022-02-17T05:00:00+00:00** Public hearing in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.
- **2022-02-24T05:00:00+00:00** Executive action taken in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.
- **2022-02-24T05:00:00+00:00** BFST - Majority; do pass with amendment(s). `committee-passage-favorable`
- **2022-02-24T05:00:00+00:00** And refer to Ways & Means. `referral-committee`
- **2022-02-24T05:00:00+00:00** Referred to Ways & Means. `referral-committee`
- **2022-02-26T05:00:00+00:00** Public hearing in the Senate Committee on Ways & Means at 9:00 AM.
- **2022-02-28T05:00:00+00:00** Executive action taken in the Senate Committee on Ways & Means at 10:00 AM.
- **2022-02-28T05:00:00+00:00** WM - Majority; do pass with amendment(s). `committee-passage-favorable`
- **2022-02-28T05:00:00+00:00** Minority; do not pass. `committee-passage-unfavorable`
- **2022-02-28T05:00:00+00:00** Minority; without recommendation. `committee-passage-unfavorable`
- **2022-02-28T05:00:00+00:00** Passed to Rules Committee for second reading.
- **2022-03-02T05:00:00+00:00** Placed on second reading by Rules Committee. `reading-2`
- **2022-03-04T05:00:00+00:00** Committee amendment(s) adopted with no other amendments.
- **2022-03-04T05:00:00+00:00** Rules suspended. Placed on Third Reading. `reading-3`
- **2022-03-04T05:00:00+00:00** Third reading, passed; yeas, 46; nays, 2; absent, 0; excused, 1. `reading-3`
- **2022-03-08T05:00:00+00:00** House concurred in Senate amendments.
- **2022-03-08T05:00:00+00:00** Passed final passage; yeas, 98; nays, 0; absent, 0; excused, 0. `passage`
- **2022-03-09T05:00:00+00:00** Speaker signed. `passage`
- **2022-03-10T05:00:00+00:00** President signed. `passage`
- **2022-03-10T05:00:00+00:00** Delivered to Governor. `executive-receipt`
- **2022-03-30T04:00:00+00:00** Governor signed. `executive-signature`
- **2022-03-30T04:00:00+00:00** Chapter 189, 2022 Laws. `became-law`
- **2022-03-30T04:00:00+00:00** Effective date 6/9/2022. `became-law`
- **2021-01-18T18:30:00+00:00** Scheduled for public hearing in the House Committee on Consumer Protection & Business at 01:30 PM
- **2021-01-21T15:00:00+00:00** Scheduled for public hearing in the House Committee on Consumer Protection & Business at 10:00 AM
- **2021-02-01T15:00:00+00:00** Scheduled for public hearing in the House Committee on Finance at 10:00 AM
- **2021-02-18T14:00:00+00:00** Scheduled for public hearing in the House Committee on Finance at 09:00 AM
- **2021-02-22T14:00:00+00:00** Scheduled for public hearing in the House Committee on Appropriations at 09:00 AM
- **2021-02-22T14:00:00+00:00** Scheduled for public hearing in the House Committee on Appropriations at 09:00 AM
- **2021-03-23T12:00:00+00:00** Scheduled for public hearing in the Senate Committee on Business, Financial Services & Trade at 08:00 AM
- **2021-03-25T12:00:00+00:00** Scheduled for public hearing in the Senate Committee on Business, Financial Services & Trade at 08:00 AM
- **2021-03-31T17:30:00+00:00** Scheduled for public hearing in the Senate Committee on Ways & Means at 01:30 PM
- **2021-04-02T13:00:00+00:00** Scheduled for public hearing in the Senate Committee on Ways & Means at 09:00 AM
- **2022-02-17T13:00:00+00:00** Scheduled for public hearing in the Senate Committee on Business, Financial Services & Trade at 08:00 AM
- **2022-02-24T13:00:00+00:00** Scheduled for public hearing in the Senate Committee on Business, Financial Services & Trade at 08:00 AM
- **2022-02-26T14:00:00+00:00** Scheduled for public hearing in the Senate Committee on Ways & Means at 09:00 AM
- **2022-02-28T15:00:00+00:00** Scheduled for public hearing in the Senate Committee on Ways & Means at 10:00 AM

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/3a67578e-8578-4bc3-b1ca-89240a9f63d9`. Confidence: reported (aggregated from official Washington legislature records).