The bill seeks to enhance the foreclosure mediation program in Washington State by amending the Revised Code of Washington (RCW) and introducing new provisions aimed at supporting unit owners facing potential foreclosure due to delinquent assessments. Key insertions include a definition of "Assessment," which covers all charges by an association against a unit, and the establishment of a framework for housing counselors to assist unit owners. These counselors will prepare unit owners for meetings with associations, advise on necessary documentation, and inform them about alternatives to foreclosure. The bill also mandates a meet and confer session between the unit owner and the association before mediation can occur, and it prohibits associations from charging attorney fees during the 30-day period following a unit owner's contact with a housing counselor.

Additionally, the bill modifies existing laws regarding the foreclosure process for homeowners' associations, specifying requirements for preforeclosure notices and the conditions under which an association can initiate foreclosure actions. It clarifies that a second preforeclosure notice must be sent after a minimum of 90 days of delinquency and at least 60 days after the first notice. The bill establishes the priority of liens held by associations and allows them to recover costs related to the collection of delinquent assessments. Overall, the legislation aims to provide better support and resources for homeowners, ensuring they are informed of their rights and options before foreclosure proceedings begin.

Statutes affected:
Original Bill: 61.24.005, 61.24.160, 61.24.163, 61.24.166, 61.24.165, 61.24.172
Substitute Bill: 61.24.005, 61.24.160, 61.24.163, 61.24.166, 61.24.165, 61.24.172
Second Substitute: 61.24.005, 61.24.160, 61.24.163, 61.24.166, 61.24.165, 61.24.172
Engrossed Second Substitute: 61.24.005, 61.24.163, 61.24.165, 61.24.172, 64.32.200, 64.34.364, 64.38.100, 64.90.485