# Nevada AB250: 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. Nevada AB250, 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., is a 83rd Regular Session (2025) House bill sponsored by Heather Goulding (Democratic); status signed, last action 2025-06-03 (Chapter 240.) (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/NV-AB250-83rd2025 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Nevada AB250 - State: Nevada - Session: 83rd Regular Session (2025) - Title: 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. - Status: signed - Chamber: House - Introduced: 2025-02-18 - Last action: 2025-06-03, Chapter 240. - Sponsor: Heather Goulding (Democratic) - Cosponsors: 7 - Subjects: BDR 52-599 - Touches household money: no - Roll calls: 2 (54 yes, 9 no in all) - Economic provisions PRIA read: 2 ## Summary No summary available. ## Bill overview: provisions PRIA read - Protection from debts caused by abuse: benefit, medium. 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… - Two-year rule for gaming credit: benefit, low. 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… ## Sponsors and cosponsors - Sponsor: Heather Goulding (Democratic), House - Cosponsor: Duy Nguyen (Democratic), House - Cosponsor: Linda F. Hunt (Democratic), House - Cosponsor: Natha C. Anderson (Democratic), House - Cosponsor: Selena La Rue Hatch (Democratic), House - Cosponsor: Tanya P. Flanagan (Democratic), House - Cosponsor: John C. Steinbeck (Republican), Senate - Cosponsor: Lisa Krasner (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-23 | Senate | Final Passage - Senate (3rd Reprint) | pass | 21 | 0 | | | 2025-04-22 | House | Final Passage - Assembly (1st Reprint) | pass | 33 | 9 | | ## Actions (28) - 2025-06-03: Chapter 240. (legislature) - 2025-06-03: Approved by the Governor. (legislature) - 2025-05-29: Enrolled and delivered to Governor. (legislature) - 2025-05-26: Senate Amendment No. 592 and 734 concurred in. To enrollment. (House) - 2025-05-23: In Assembly. (House) - 2025-05-23: From printer. To re-engrossment. Re-engrossed. Third reprint. To Assembly. (Senate) - 2025-05-23: Read third time. Passed, as amended. Title approved, as amended. (Yeas: 21, Nays: None.) To printer. (Senate) - 2025-05-23: Reprinting dispensed with. (Senate) - 2025-05-23: Read third time. Amended. (Amend. No. 734.) (Senate) - 2025-05-22: Taken from General File. Placed on General File for next legislative day. (Senate) - 2025-05-21: Taken from General File. Placed on General File for next legislative day. (Senate) - 2025-05-20: Taken from General File. Placed on General File for next legislative day. (Senate) - 2025-05-20: From printer. To re-engrossment. Re-engrossed. Second reprint. (Senate) - 2025-05-19: Read second time. Amended. (Amend. No. 592.) To printer. (Senate) - 2025-05-19: Placed on Second Reading File. (Senate) - 2025-05-19: From committee: Amend, and do pass as amended. (Senate) - 2025-04-29: Read first time. Referred to Committee on Commerce and Labor. To committee. (Senate) - 2025-04-28: In Senate. (Senate) - 2025-04-25: To Senate. (House) - 2025-04-25: From printer. To engrossment. Engrossed. First reprint. (House) - 2025-04-22: To printer. (House) - 2025-04-22: Read third time. Passed, as amended. Title approved, as amended. (Yeas: 33, Nays: 9.) (House) - 2025-04-21: Dispensed with reprinting. (House) - 2025-04-21: Read second time. Amended. (Amend. No. 442.) (House) - 2025-04-21: Placed on Second Reading File. (House) - 2025-04-21: From committee: Amend, and do pass as amended. (House) - 2025-02-19: From printer. To committee. (House) - 2025-02-18: Read first time. Referred to Committee on Commerce and Labor. To printer. (House) ## Bill text - As Enrolled: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_EN.pdf) - As Introduced: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250.pdf) - Reprint 1: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_R1.pdf) - Reprint 2: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_R2.pdf) - Reprint 3: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_R3.pdf) ## Related bills - AB188: AN ACT relating to the Public Employees' Benefits Program; requiring the Board of the Public Employees' Benefits Program to report certain information relating… (vetoed) - SB217: AN ACT relating to health care; prohibiting a governmental entity from substantially burdening certain activity relating to assisted reproduction under certain… (vetoed) - AB499: AN ACT relating to elections; requiring, with certain exceptions, a registered voter show photo identification to vote in person; requiring the Department of M… (vetoed) - AB397: AN ACT relating to higher education; revising provisions governing certain waivers of fees provided by the Board of Regents of the University of Nevada; revisi… (vetoed) - AB259: AN ACT relating to health care; prohibiting certain actions related to pricing and reimbursement for certain drugs; creating a cause of action for violating su… (vetoed) - AB234: AN ACT relating to Medicaid; requiring Medicaid to provide coverage for screening for certain forms of cancer; and providing other matters properly relating th… (signed) ## Sources - [As Enrolled (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_EN.pdf) - [As Introduced (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250.pdf) - [Reprint 1 (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_R1.pdf) - [Reprint 2 (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_R2.pdf) - [Reprint 3 (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB250_R3.pdf) ## Related - [AB188: AN ACT relating to the Public Employees' Benefits Program; requiring the Board…](https://policyrisk.com/state-bill/NV-AB188-83rd2025) - [SB217: AN ACT relating to health care; prohibiting a governmental entity from substant…](https://policyrisk.com/state-bill/NV-SB217-83rd2025) - [AB499: AN ACT relating to elections; requiring, with certain exceptions, a registered…](https://policyrisk.com/state-bill/NV-AB499-83rd2025) - [AB397: AN ACT relating to higher education; revising provisions governing certain waiv…](https://policyrisk.com/state-bill/NV-AB397-83rd2025) - [AB259: AN ACT relating to health care; prohibiting certain actions related to pricing…](https://policyrisk.com/state-bill/NV-AB259-83rd2025) - [AB234: AN ACT relating to Medicaid; requiring Medicaid to provide coverage for screeni…](https://policyrisk.com/state-bill/NV-AB234-83rd2025) - [Nevada bills](https://policyrisk.com/states/nevada/bills) - [Nevada state hub](https://policyrisk.com/states/nevada) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/NV-AB250-83rd2025 (as of 2026-11-01).