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Multiple Agency Fiscal Note Summary — 1311 S HB: Credit repair services

Summary

A fiscal note package for 1311 S HB, titled Credit repair services, marked Final 2/20/2023. The Multiple Agency Fiscal Note Summary lists no fiscal impact for the Administrative Office of the Courts and $102,000 General Fund-State for the Office of Attorney General for 2023-25, 2025-27 and 2027-29. The Judicial Impact Fiscal Note states there would be no fiscal impact to the courts. The Office of Attorney General note describes the bill's sections amending and adding provisions of RCW 19.134 on credit services organizations, and assumes 0.5 FTE of a Program Specialist 2 at $51,000 per fiscal year.

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“Multiple Agency Fiscal Note Summary — 1311 S HB: Credit repair services.” Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/2023-03-16-a30969-d257648-1311-shb-fn-final-02-20-23-74c94dc37d/, SHA-256 4bd255ee450e544c17e85d86e3cb09ea47b2c98939221b00f33091fe9d493346.

Full text

                                      Multiple Agency Fiscal Note Summary
   Bill Number: 1311 S HB                                        Title: Credit repair services

Estimated Cash Receipts
           NONE

  Agency Name                                                 2023-25                                            2025-27                                     2027-29
                                                      GF- State       Total                               GF- State      Total                        GF- State      Total
   Local Gov. Courts                                No fiscal impact

   Loc School dist-SPI
   Local Gov. Other
   Local Gov. Total

Estimated Operating Expenditures
Agency Name                                2023-25                                                    2025-27                                                         2027-29
                      FTEs      GF-State       NGF-Outlook          Total       FTEs      GF-State         NGF-Outlook       Total        FTEs        GF-State       NGF-Outlook    Total
Administrative          .0                 0             0                  0        .0              0                0              0      .0                   0              0            0
Office of the
Courts
Office of Attorney      .5        102,000          102,000          102,000          .5         102,000        102,000       102,000        .5           102,000         102,000        102,000
General

          Total $       0.5       102,000          102,000          102,000       0.5           102,000        102,000        102,000       0.5          102,000          102,000       102,000

Agency Name                                     2023-25                                                   2025-27                                         2027-29
                               FTEs        GF-State                 Total            FTEs         GF-State                Total          FTEs         GF-State             Total
 Local Gov. Courts             No fiscal impact

 Loc School dist-SPI
 Local Gov. Other
 Local Gov. Total

Estimated Capital Budget Expenditures
 Agency Name                                     2023-25                                               2025-27                                            2027-29
                               FTEs            Bonds                  Total            FTEs          Bonds                 Total         FTEs            Bonds              Total
 Administrative Office of           .0                       0                   0        .0                      0                  0           .0                  0              0
 the Courts
 Office of Attorney                 .0                       0                   0        .0                      0                  0           .0                  0              0
 General

                     Total $       0.0                       0                   0        0.0                     0                  0       0.0                     0              0


Agency Name                                       2023-25                                                 2025-27                                          2027-29
                               FTEs     GF-State                     Total           FTEs          GF-State               Total          FTEs          GF-State             Total
  Local Gov. Courts             No fiscal impact

  Loc School dist-SPI
  Local Gov. Other
  Local Gov. Total




        FNPID 67319
             :
  FNS029 Multi Agency rollup
Estimated Capital Budget Breakout




Prepared by:   Cheri Keller, OFM    Phone:           Date Published:
                                    (360) 584-2207   Final 2/20/2023




    FNPID 67319
         :
FNS029 Multi Agency rollup
                                           Judicial Impact Fiscal Note

Bill Number:         1311 S HB              Title:    Credit repair services                                    Agency: 055-Administrative Office of
                                                                                                                        the Courts

Part I: Estimates
 X        No Fiscal Impact

Estimated Cash Receipts to:

     NONE


Estimated Expenditures from:
     NONE


Estimated Capital Budget Impact:
          NONE




     The revenue and expenditure estimates on this page represent the most likely fiscal impact. Responsibility for expenditures may be
     subject to the provisions of RCW 43.135.060.
     Check applicable boxes and follow corresponding instructions:
        If fiscal impact is greater than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete entire fiscal note form
        Parts I-V.
        If fiscal impact is less than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete this page only (Part I).
          Capital budget impact, complete Part IV.

     Legislative Contact Megan Mulvihill                                                      Phone: 360-786-7304             Date: 02/14/2023
     Agency Preparation: Angie Wirkkala                                                       Phone: 360-704-5528             Date: 02/15/2023
     Agency Approval:       Chris Stanley                                                     Phone: 360-357-2406             Date: 02/15/2023
     OFM Review:            Gaius Horton                                                      Phone: (360) 819-3112           Date: 02/16/2023

     183,582.00                                                                                                                           Request # 193-1
      Form FN (Rev 1/00)                                                1                                                                 Bill # 1311 S HB
FNS061 Judicial Impact Fiscal Note
Part II: Narrative Explanation
II. A - Brief Description Of What The Measure Does That Has Fiscal Impact on the Courts
  This bill amends and adds new sections to RCW 19.134 relating to credit repair services performed by credit services organizations.

II. B - Cash Receipts Impact


II. C - Expenditures
  There would be no fiscal impact to the Administrative Office of the Courts or the courts.

Part III: Expenditure Detail
III. A - Expenditure By Object or Purpose (State)
 NONE
III. B - Expenditure By Object or Purpose (County)
 NONE
III. C - Expenditure By Object or Purpose (City)
 NONE
III. D - FTE Detail
 NONE
III. E - Expenditures By Program (optional)
 NONE


Part IV: Capital Budget Impact
 IV. A - Capital Budget Expenditures

        NONE

 IV. B1 - Expenditures by Object Or Purpose (State)
         NONE


IV. B2 - Expenditures by Object Or Purpose (County)
        NONE


IV. B3 - Expenditures by Object Or Purpose (City)
        NONE

IV. C - Capital Budget Breakout
Acquisition and construction costs not reflected elsewhere on the fiscal note and description of potential financing methods.

        NONE




   183,582.00                                                                                                                   Request # 193-1
    Form FN (Rev 1/00)                                                  2                                                       Bill # 1311 S HB
FNS061 Judicial Impact Fiscal Note
                            Individual State Agency Fiscal Note

Bill Number:      1311 S HB              Title:     Credit repair services                                    Agency: 100-Office of Attorney
                                                                                                                      General

Part I: Estimates
      No Fiscal Impact

Estimated Cash Receipts to:

      NONE


Estimated Operating Expenditures from:
                                                       FY 2024               FY 2025              2023-25              2025-27              2027-29
 FTE Staff Years                                                  0.5                   0.5              0.5                      0.5              0.5
 Account
 General Fund-State            001-1                          51,000                 51,000            102,000               102,000             102,000
                                       Total $                51,000                 51,000            102,000               102,000             102,000


Estimated Capital Budget Impact:

    NONE




   The cash receipts and expenditure estimates on this page represent the most likely fiscal impact. Factors impacting the precision of these estimates,
   and alternate ranges (if appropriate), are explained in Part II.

  Check applicable boxes and follow corresponding instructions:
      If fiscal impact is greater than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete entire fiscal note
  X
      form Parts I-V.
      If fiscal impact is less than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete this page only (Part I).

      Capital budget impact, complete Part IV.

      Requires new rule making, complete Part V.


   Legislative Contact:     Megan Mulvihill                                                   Phone: 360-786-7304            Date: 02/14/2023
   Agency Preparation:      Amy Flanigan                                                      Phone: 509-456-3123            Date: 02/20/2023
   Agency Approval:         Edd Giger                                                         Phone: 360-586-2104            Date: 02/20/2023
  OFM Review:               Cheri Keller                                                      Phone: (360) 584-2207          Date: 02/20/2023

Form FN (Rev 1/00) 184,213.00                                                                                                        Request # 193-1
FNS063 Individual State Agency Fiscal Note                              1                                                            Bill # 1311 S HB
Part II: Narrative Explanation
II. A - Brief Description Of What The Measure Does That Has Fiscal Impact
Significant provisions of the bill and any related workload or policy assumptions that have revenue or expenditure impact on the responding agency by
section number.

 Section 1: Amends RCW 19.134.010, adds definitions.

 Section 2: Amends RCW 19.134.010, adds items that a credit services organization cannot do.

 Section 3: New Section. Requires consumer reporting agency, creditor, or collection agency to communicate with credit
 services organization unless certain circumstances exist.

 Section 4: New Section. Requires credit services organization to redact certain information in written communications.

 Section 5: Amends RCW 19.134.040. Requires credit services organization to maintain files for four years.

 Section 6: Amends RCW 19.134.050. Requires bold face statement of specified information to consumers.

 Section 7: Amends RCW 19.134.060. Requires specific information be included in contract between consumer and credit
 services organization.

 Section 8: Amends RCW 19.134.070. Practices in this act vitally affect public interest for purposes of the consumer
 protection act and thus a violation of this chapter is an unfair or deceptive act.

 Section 9: Amends RCW 19.134.080. Sets out minimum for damages.
II. B - Cash receipts Impact
Cash receipts impact of the legislation on the responding agency with the cash receipts provisions identified by section number and when appropriate, the
detail of the revenue sources. Description of the factual basis of the assumptions and the method by which the cash receipts impact is derived. Explanation
of how workload assumptions translate into estimates. Distinguished between one time and ongoing functions.

 General Fund-State (GF-S) Account 001-1: Attorney General’s Office (AGO) Consumer Protection Division (CPR)
 activities are funded with General Fund-State dollars. No cash receipt impact. There is no client agency to bill for legal
 services.
II. C - Expenditures
Agency expenditures necessary to implement this legislation (or savings resulting from this legislation), with the provisions of the legislation that result in
the expenditures (or savings) identified by section number. Description of the factual basis of the assumptions and the method by which the expenditure
impact is derived. Explanation of how workload assumptions translate into cost estimates. Distinguished between one time and ongoing functions.


 Attorney General’s Office (AGO) Agency Assumptions:

 This bill is assumed effective 90 days after the end of the 2023 legislative session.

 Location of staffing is assumed to be in a Seattle office building.

 Total workload impact in this request includes standard assumption costs for goods & services, travel, and capital outlays
 for all FTE identified.

 Agency administration support FTE are included in the tables. The Management Analyst 5 (MA), is used as a
 representative classification. An example ratio is for every 1.0 Assistant Attorney General FTE (AAG), the AGO includes
 0.5 FTE for a Legal Assistant 3 (LA) and 0.25 FTE of an MA.


Credit repair services                                                                                                    100-Office of Attorney General
Form FN (Rev 1/00) 184,213.00                                                                                                           Request # 193-1
FNS063 Individual State Agency Fiscal Note                                2                                                             Bill # 1311 S HB
 Assumptions for the AGO Consumer Protection Division (CPR) legal services:

 Program Specialist 2 FTE (PS) is needed to handle the review and processing of complaint intake, answering phone calls,
 and responding to and coordinating constituent correspondence responses.

 CPR: Total Seattle workload impact:

 FY 2024 and in each FY thereafter: $51,000 for 0.5 PS.

Part III: Expenditure Detail
III. A - Operating Budget Expenditures
Account Account Title          Type                    FY 2024                     FY 2025                  2023-25                 2025-27               2027-29
 001-1      General Fund       State                        51,000                      51,000                 102,000                  102,000              102,000
                                 Total $                    51,000                      51,000                 102,000                  102,000              102,000

III. B - Expenditures by Object Or Purpose
                                                    FY 2024                     FY 2025              2023-25                   2025-27               2027-29
  FTE Staff Years                                                0.5                        0.5                 0.5                      0.5                    0.5
  A-Salaries and Wages                                     32,000                        32,000              64,000                 64,000                64,000
  B-Employee Benefits                                      12,000                        12,000              24,000                 24,000                24,000
  E-Goods and Other Services                                7,000                         7,000              14,000                 14,000                14,000
                                     Total $               51,000                        51,000             102,000                102,000               102,000

III. C - Operating FTE Detail: List FTEs by classification and corresponding annual compensation. Totals need to agree with total FTEs in
         Part I and Part IIIA

  Job Classification                              Salary                FY 2024              FY 2025          2023-25             2025-27             2027-29
  Management Analyst 5                                  91,524                     0.0               0.0                 0.0                   0.0              0.0
  Program Specialist 2                                  55,755                     0.5               0.5                 0.5                   0.5              0.5
                            Total FTEs                                             0.5               0.5                 0.5                   0.5              0.5

III. D - Expenditures By Program (optional)
 Program                                                    FY 2024                FY 2025                 2023-25              2025-27              2027-29
 Consumer Protection Division (CPR)                                    51,000               51,000             102,000              102,000              102,000

                                             Total $                   51,000               51,000             102,000              102,000              102,000



Part IV: Capital Budget Impact
 IV. A - Capital Budget Expenditures
      NONE

 IV. B - Expenditures by Object Or Purpose
        NONE

IV. C - Capital Budget Breakout
Acquisition and construction costs not reflected elsewhere on the fiscal note and description of potential financing methods.
      NONE

 IV. D - Capital FTE Detail: FTEs listed by classification and corresponding annual compensation. Totals agree with total FTEs in Part IVB.


     NONE




Credit repair services                                                                                                            100-Office of Attorney General
Form FN (Rev 1/00) 184,213.00                                                                                                                   Request # 193-1
FNS063 Individual State Agency Fiscal Note                                 3                                                                    Bill # 1311 S HB
Part V: New Rule Making Required
Provisions of the bill that require the agency to adopt new administrative rules or repeal/revise existing rules.




Credit repair services                                                                                              100-Office of Attorney General
Form FN (Rev 1/00) 184,213.00                                                                                                     Request # 193-1
FNS063 Individual State Agency Fiscal Note                               4                                                        Bill # 1311 S HB


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