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Updated:   2026-02-04

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Measure
Authors Hurtado  
Subject Consumer debt: charged-off debts.
Relating To relating to consumer debt.
Title An act to add Section 1788.57 to the Civil Code, and to amend Section 337 of, and to add Section 337.3 to, the Code of Civil Procedure, relating to consumer debt.
Last Action Dt 2025-03-24
State Amended Senate
Status Died
Flags
Vote Req Approp Fiscal Cmte Local Prog Subs Chgs Urgency Tax Levy Active?
Majority No Yes No None No No Y
i
Leginfo Link  
Bill Actions
2026-02-02     Returned to Secretary of Senate pursuant to Joint Rule 56.
2025-04-23     April 30 hearing postponed by committee.
2025-04-22     Set for hearing April 30 in B. & F.I. pending receipt.
2025-04-22     April 22 set for first hearing. Failed passage in committee. (Ayes 1. Noes 2. Page 837.) Reconsideration granted.
2025-04-09     Set for hearing April 22.
2025-04-02     Re-referred to Coms. on JUD. and B. & F.I.
2025-03-24     From committee with author's amendments. Read second time and amended. Re-referred to Com. on RLS.
2025-03-12     Referred to Com. on RLS.
2025-02-24     From printer. May be acted upon on or after March 24.
2025-02-24     Read first time.
2025-02-21     Introduced. To Com. on RLS. for assignment. To print.
Versions
Amended Senate     2025-03-24
Introduced     2025-02-21
Analyses TBD
Latest Text Bill Full Text
Latest Text Digest

Existing law places various requirements on, and prohibits certain actions by, debt buyers with respect to charged-off consumer debts.

This bill would prohibit a charged-off consumer debt from being sold or assigned more than one year after the debt was charged off. The bill would require a charge-off creditor to notify the consumer when the creditor sells or assigned a charged-off consumer debt to a debt buyer.

Existing law prescribes various time periods for the commencement of actions other than for the recovery of real property, including within 4 years for an action upon any contract, obligation, or liability founded upon an instrument in writing, as specified.

This bill would prohibit an action from being brought to recover a charged-off consumer debt on or after the date that is the earliest of specified dates. The bill would prohibit a debt buyer from bringing an action to recover a charged-off consumer debt after one year from the date the debt was charged off.