NevadaAB25083rd Regular Session (2025)House

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

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Protection from debts caused by abuse

Beginning October 1, 2025, you can claim a coerced‑debt defense if you are sued on an unsecured consumer debt. Coerced debt means a personal, family, or household debt you took on because of fraud, duress, intimidation, threats of force, or undue influence, and you were a victim of sex trafficking or domestic violence by a spouse, former spouse, relative, co‑resident, dating partner, or a person with whom you share a child. To use it, you must file a written attestation naming the debt, stating facts about the coercion, giving known details about the coercer (or a sworn statement if naming them would likely cause abuse), and listing any prior filings and results. You must attach at least one document: a police or investigative report, an FTC identity‑theft report, or a protection order or other court record. If the court finds the debt was coerced, the creditor must stop collection, and the court will direct reasonable steps to fix your credit reports when needed. The creditor may add the alleged coercer to the case, and you may recover reasonable attorney’s fees and costs from that person (not from the creditor). This defense does not cover credit instruments defined under Nevada gaming law.

Two-year rule for gaming credit

A check or draft that counts as a gaming credit instrument is treated as presented in the usual course of business if it is presented within 2 years of issue. This rule is now in effect and applies to credit instruments signed before, on, or after the effective date. Other criminal presumptions for bad checks remain the same.

Sponsors & Cosponsors

Sponsor

  • Heather Goulding

    Democratic • House

Cosponsors

  • Duy Nguyen

    Democratic • House

  • Linda F. Hunt

    Democratic • House

  • Natha C. Anderson

    Democratic • House

  • Selena La Rue Hatch

    Democratic • House

  • Tanya P. Flanagan

    Democratic • House

  • John C. Steinbeck

    Republican • Senate

  • Lisa Krasner

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 54 • No: 9

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

  1. Chapter 240.

    6/3/2025legislature
  2. Approved by the Governor.

    6/3/2025legislature
  3. Enrolled and delivered to Governor.

    5/29/2025legislature
  4. Senate Amendment No. 592 and 734 concurred in. To enrollment.

    5/26/2025House
  5. In Assembly.

    5/23/2025House
  6. From printer. To re-engrossment. Re-engrossed. Third reprint. To Assembly.

    5/23/2025Senate
  7. Read third time. Passed, as amended. Title approved, as amended. (Yeas: 21, Nays: None.) To printer.

    5/23/2025Senate
  8. Reprinting dispensed with.

    5/23/2025Senate
  9. Read third time. Amended. (Amend. No. 734.)

    5/23/2025Senate
  10. Taken from General File. Placed on General File for next legislative day.

    5/22/2025Senate
  11. Taken from General File. Placed on General File for next legislative day.

    5/21/2025Senate
  12. Taken from General File. Placed on General File for next legislative day.

    5/20/2025Senate
  13. From printer. To re-engrossment. Re-engrossed. Second reprint.

    5/20/2025Senate
  14. Read second time. Amended. (Amend. No. 592.) To printer.

    5/19/2025Senate
  15. Placed on Second Reading File.

    5/19/2025Senate
  16. From committee: Amend, and do pass as amended.

    5/19/2025Senate
  17. Read first time. Referred to Committee on Commerce and Labor. To committee.

    4/29/2025Senate
  18. In Senate.

    4/28/2025Senate
  19. To Senate.

    4/25/2025House
  20. From printer. To engrossment. Engrossed. First reprint.

    4/25/2025House
  21. To printer.

    4/22/2025House
  22. Read third time. Passed, as amended. Title approved, as amended. (Yeas: 33, Nays: 9.)

    4/22/2025House
  23. Dispensed with reprinting.

    4/21/2025House
  24. Read second time. Amended. (Amend. No. 442.)

    4/21/2025House
  25. Placed on Second Reading File.

    4/21/2025House

Bill Text

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