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California · 2025–26 Regular Session · Senate Bill

SB 706: Consumer debt: charged-off debts.

Did not advance Official data

  1. Introduced
  2. In committee
  3. Passed one chamber
  4. Passed both chambers
  5. Enacted
  6. Did not advance

Last official action: ·Record last updated:

Plain-language summary

SB 706 is a senate bill introduced in the California Senate on February 21, 2025. According to its official title, it concerns: Consumer debt: charged-off debts. Primary sponsor: Melissa Hurtado (D). Most recent recorded action (February 2, 2026): Returned to Secretary of Senate pursuant to Joint Rule 56.

Generated automatically from the official title, sponsor list, and status record only. It does not characterize the bill’s purpose or effects. How summaries are written

Official summary

Legislative Counsel’s Digest (official, as of the latest version). Written by nonpartisan legislative staff; reproduced verbatim.

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.

Sponsors

Sponsors by party (alphabetical): Democratic 1

NameRolePartyChamberDistrict
Melissa HurtadoPrimary sponsorDemocraticSenate16

“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.

Recent official actions

  1. Returned to Secretary of Senate pursuant to Joint Rule 56.
  2. April 30 hearing postponed by committee.
  3. April 22 set for first hearing. Failed passage in committee. (Ayes 1. Noes 2. Page 837.) Reconsideration granted.
  4. Set for hearing April 30 in B. & F.I. pending receipt.
  5. Set for hearing April 22.
  6. Re-referred to Coms. on JUD. and B. & F.I.
  7. From committee with author's amendments. Read second time and amended. Re-referred to Com. on RLS.
  8. Referred to Com. on RLS.
  9. Read first time.
  10. From printer. May be acted upon on or after March 24.
  11. Introduced. To Com. on RLS. for assignment. To print.

Sources

  1. California Legislative Information — pubinfo database export
  2. Official bill page