Concerning consumer debt adjusters and debt resolution services providers.

HB 1599 regulates debt adjusters and debt resolution services providers in Washington State, directly affecting consumers seeking help managing unsecured debt and the businesses offering these services. The bill sets a 15% fee cap on total debt adjustment services (including fees from financial institutions), limits initial charges to $25, and prohibits fees on rent or utility payments. It clarifies distinctions between "debt adjusters" (who manage debt) and "debt resolution services providers" (who renegotiate debt terms), while defining key terms like "dedicated account" and "fair share" contributions. The law also prohibits fee retention until all creditors are notified and imposes penalties for violations.