E2SSB 5686 — Expanding and funding the foreclosure mediation program.

What this bill does

Expands the Foreclosure Mediation Program (Program) beginning January 1, 2026, to include unit owners in common interest communities (CIC) facing possible foreclosure of association liens for delinquent assessments. Creates a new foreclosure prevention fee of $80 assessed for each residential mortgage loan originated, with an exception for reverse mortgage loans issued to seniors over the age of 61, to be deposited into the Foreclosure Fairness Account. Requires the Department of Commerce to create an online CIC resource center to distribute certain information related to the Program.

From the Washington State Legislature's nonpartisan staff bill analysis. Read the full analysis ↗

Floor votes

• House — Final Passage as Amended by the House · April 23, 2025
  56 yea · 41 nay · 1 not voting
• Senate — Final Passage as Amended by the House · April 24, 2025
  27 yea · 19 nay · 2 not voting
• Senate — 3rd Reading & Final Passage · March 7, 2025
  30 yea · 19 nay

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