This legislative session, Statewide Poverty Action Network members worked hard to achieve substantial wins amidst one of the most difficult political climates in recent memory. From holding the line on funding Washington State’s safety net to passing significant consumer protections, we have a full slate of accomplishments we are proud to share. This work is possible because our members took a stand against further attacks on low-income families.
This session, Poverty Action successfully passed the following consumer protection bills:
HB 1552 – Garnishment
This bill allows consumers to keep more money to live on after a wage garnishment. These new protections may allow an individual worker to keep approximately $120 more per month, providing much-needed financial relief. This new law also clarifies that pension funds will continue to be exempt from garnishment, ensuring that seniors and people living with disabilities will be able to use their pensions to meet their basic needs, even during a garnishment. HB 1552 provides much-needed updates to Washington’s garnishment laws, better reflecting the realities of struggling families.
HB 2614 – Foreclosure Prevention
Last year, Washington led the way in ensuring that families facing foreclosure would have the right to a mediation process with their lenders. The Foreclosure Fairness Act, which passed in 2011, brought homeowners, lenders and a third-party mediator together to discuss alternatives to foreclosure. HB 2614 builds on the strength of last year’s law by streamlining the mediation process and providing added protections for mediators, as well as for homeowners while they work toward saving their homes and most valuable assets.
SB 6155 – Debt Adjusters
This bill puts reasonable and fair regulations on for-profit debt adjusters (sometimes called debt settlement), helping to prevent deceptive practices that hurt families who are attempting to regain their financial stability. For-profit debt adjustment is a fringe financial service that has seen rapid growth and change over the last several years. Debt adjusters reach out to people living with debt and offer bold “miracle cures” to help eliminate their debt, but often leave families in financial ruin. Because this industry is growing fast and the impacts in our state are still widely unknown, SB 6155 includes reporting requirements to gain information on the impacts to Washington consumers.
We also stood strong and protected vital public programs:
SB 6411 – Take Back the (TANF) Box
This bill increases transparency and accountability in our state’s Temporary Assistance for Needy Families (TANF) program by allowing legislators to make decisions on how TANF is administered. Previously, the Governor’s office made all of the decisions about TANF (also called the TANF “box”), allowing the public few opportunities to provide input on the program or its funding. By moving control of the TANF box to the 149 members of the legislature, SB 6411 provides Poverty Action members 149 opportunities to influence how TANF is managed.
Defending Our Safety Net & Restoring Cuts
Last fall, we launched an aggressive campaign to maintain the integrity of our state’s safety net. Together, our advocacy, paired with real stories from our members, prevented new cuts to TANF, Disability Lifeline Medical, State Food Assistance, State Family Assistance, and the Housing and Essential Needs (HEN) program.
And finally, we were able to restore a 2011 cut to Working Connections Child Care. By restoring eligibility to 200% of the Federal Poverty Level (FPL) from 175% FPL, we were able to bring back 1,000 subsidized childcare slots for working parents. Furthermore, the TANF large family cap was restored to the 2011 level, returning full benefits to nearly 2,000 families, including many refugee families.
These wins are a direct result of Olympia hearing from our network and could not have happened without their hard work. Thank you to all Poverty Action members for helping thousands of families across Washington State.
Your Poverty Action Network Staff
Marcy, Tony, Danielle, Senait, Kate, Julia and E.J.