All Roll Calls
Yes: 54 • No: 9
NevadaAB25083rd Regular Session (2025)HouseWALLET
AN ACT relating to debt; establishing coerced debt as an affirmative defense in certain civil actions to collect an unsecured consumer debt; setting forth requirements for asserting the affirmative defense of coerced debt; requiring a court to take certain actions upon finding that a debt is a coerced debt; authorizing certain claims and remedies; revising provisions governing the presumption of intent to defraud in the issuance of certain instruments; and providing other matters properly relating thereto.
Sponsored By: Heather Goulding (Democratic)
Signed by Governor
BDR 52-599
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
Victims can stop coerced debt
Beginning Oct. 1, 2025, people sued for certain unsecured consumer debts can claim a “coerced debt” defense. It covers victims of sex trafficking or domestic violence when a spouse, partner, relative, cohabitant, or dating partner used fraud, threats, duress, or undue influence to create the debt. If the court finds the debt was coerced, the creditor must stop collecting right away. The court can also order your credit reports updated to show the debt was coerced. You may recover reasonable lawyer fees and costs from the coercer, and the creditor can pursue that person for repayment.
How to claim coerced debt
Beginning Oct. 1, 2025, to claim a coerced debt you must file a written statement with the court. It must name the debt, explain what happened, list prior uses of this defense, and usually give the coercer’s name and contact. You must attach at least one document: a police or law‑enforcement report, an FTC identity‑theft report, or a protection order or similar court record. If naming the person is likely to cause abuse to you or your family, you may submit a sworn statement instead. Some debts called “credit instruments” under state law are not covered. You are treated as a “victim” for this process based on your allegation; no criminal charge or conviction is required.
Stronger rules for bad-check cases
This part of the law takes effect immediately. In bad‑check cases, intent to defraud can be presumed when the account does not exist, when payment is refused in the usual course of business after notice that gives you 5 days to pay the full amount plus handling charges, or when certified or registered mail notice is returned undeliverable. A credit instrument is treated as properly presented if it is shown for payment within 2 years of when it was issued. If someone starts a case and then refuses to testify, they are presumed to have acted maliciously and without probable cause.
Sponsors & Cosponsors
Sponsor
Heather Goulding
Democratic • House
Cosponsors
Duy Nguyen
Democratic • House
Linda F. Hunt
Democratic • House
Natha C.Assistant Majority Whip Anderson
Democratic • House
Selena La Rue Hatch
Democratic • House
Tanya P. Flanagan
Democratic • House
John C. Steinbeck
Republican • Senate
LisaMinority Whip Krasner
Republican • Senate
Roll Call Votes
Senate vote • 5/23/2025
Final Passage - Senate (3rd Reprint)
Yes: 21 • No: 0
House vote • 4/22/2025
Final Passage - Assembly (1st Reprint)
Yes: 33 • No: 9
Actions Timeline
Chapter 240.
6/3/2025legislatureApproved by the Governor.
6/3/2025legislatureEnrolled and delivered to Governor.
5/29/2025legislatureSenate Amendment No. 592 and 734 concurred in. To enrollment.
5/26/2025HouseIn Assembly.
5/23/2025HouseFrom printer. To re-engrossment. Re-engrossed. Third reprint. To Assembly.
5/23/2025SenateRead third time. Passed, as amended. Title approved, as amended. (Yeas: 21, Nays: None.) To printer.
5/23/2025SenateReprinting dispensed with.
5/23/2025SenateRead third time. Amended. (Amend. No. 734.)
5/23/2025SenateTaken from General File. Placed on General File for next legislative day.
5/22/2025SenateTaken from General File. Placed on General File for next legislative day.
5/21/2025SenateTaken from General File. Placed on General File for next legislative day.
5/20/2025SenateFrom printer. To re-engrossment. Re-engrossed. Second reprint.
5/20/2025SenateRead second time. Amended. (Amend. No. 592.) To printer.
5/19/2025SenatePlaced on Second Reading File.
5/19/2025SenateFrom committee: Amend, and do pass as amended.
5/19/2025SenateRead first time. Referred to Committee on Commerce and Labor. To committee.
4/29/2025SenateIn Senate.
4/28/2025SenateTo Senate.
4/25/2025HouseFrom printer. To engrossment. Engrossed. First reprint.
4/25/2025HouseTo printer.
4/22/2025HouseRead third time. Passed, as amended. Title approved, as amended. (Yeas: 33, Nays: 9.)
4/22/2025HouseDispensed with reprinting.
4/21/2025HouseRead second time. Amended. (Amend. No. 442.)
4/21/2025HousePlaced on Second Reading File.
4/21/2025House
Bill Text
As Enrolled
As Introduced
Reprint 1
Reprint 2
Reprint 3
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