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<p class="MsoNormal"><span style="font-size:11.0pt">I agree we should dissent, here are some notes from our advocacy team:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">HB 2298 strengthens fraud prevention but adds process complexity.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">It shifts some responsibility upstream—requiring title and escrow to proactively identify protected properties and ensure compliance—while ultimately reducing long-term fraud risk and title claim exposure.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Problematic language<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">§ 1(2) and conforming amendment in RCW 65.04.030:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">“If a county auditor receives any instrument transferring ownership of real property for which a fraud protection instrument has been recorded, the auditor may delay the recording … for up to five business
days.”<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Recording in Washington is traditionally ministerial, not discretionary.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Authorizing delay — without objective criteria — introduces: gap risk, uncertainty of vesting time,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">inconsistent application between counties, underwriting ambiguity (especially for same-day policies and escrow disbursement).<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">§ Section 1(1)(b):<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">“… without the use of a secure personal identification number, an approved override process, or until a release of fraud protection instrument…”<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">This: does not define “approved override process. It does not identify who approves it, what documentation suffices, or whether title/escrow may rely on it. That creates county-by-county standards and exposes
escrow agents to rejection risk after closing.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">§ Section 1(1)(b):<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">“… without the use of a secure personal identification number …”<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">It does not specify how the PIN is issued, how long it’s valid, whether agents may submit it on behalf of owners, or whether it must appear on the face of the document or in the e-recording metadata. That
ambiguity directly affects: closing checklists, e-recording vendors, and rejection rates.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">§ Section 1(1)(b):<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">“… The program must allow for an emergency override process through verified court orders or authorized legal representative actions.”<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">The phrase “authorized legal representative actions” is broad:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">• Does this include POAs?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">• Guardians?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">• Executors?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">• Attorneys without recorded authority?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Auditors may interpret narrowly or broadly — creating inconsistency and delay.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;color:black;mso-ligatures:standardcontextual">Michelle Taylor</span></b><span style="font-size:10.0pt;color:black;mso-ligatures:standardcontextual"><br>
Regional Underwriting Director, Pacific Northwest<br>
</span><span style="font-size:10.0pt;color:black"><img width="264" height="66" style="width:2.75in;height:.6875in" id="Picture_x0020_1356412977" src="cid:image001.jpg@01DC8B8D.BA69D5A0" alt="Description: http://www.firstam.com/assets/email/images/email-logo.jpg"><span style="mso-ligatures:standardcontextual"><br>
First American Title Insurance Company <br>
Madison Centre | 920 Fifth Avenue, Suite 1300 | Seattle, WA 98104<o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:black;mso-ligatures:standardcontextual">Direct: 206.615.3050<br>
Tollfree: 800-526-7544<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:black;mso-ligatures:standardcontextual">Facsimile: 714.481.2686<br>
Email:</span><span style="font-size:10.0pt;color:#1F497D;mso-ligatures:standardcontextual">
<a href="mailto:mjtaylor@firstam.com"><span style="color:#0563C1">mjtaylor@firstam.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#1F497D;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="line-height:115%"><b><i><span style="color:#CC0000;mso-ligatures:standardcontextual">Should we receive emailed wiring instructions please understand that we will need to telephone a trusted individual to confirm the authenticity
of the instructions prior to releasing the wire. The safety of your funds is important to us and with wire fraud on the rise we do want to add a layer of protection</span></i></b><b><i><span style="color:#C00000;mso-ligatures:standardcontextual">.</span></i></b><b><i><span style="color:#CC0000;mso-ligatures:standardcontextual"><o:p></o:p></span></i></b></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Jp Kissling <jpkissling@fitico.com>
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<b>Sent:</b> Thursday, January 22, 2026 10:50 AM<br>
<b>To:</b> Maureen Pfaff <maureen@olypentitle.com><br>
<b>Cc:</b> Carrie Tellefson <carrie@sound-gov.com>; Michelle Taylor <mjtaylor@firstam.com>; sean powell <legislativecommittee1@washingtonlandtitle.com><br>
<b>Subject:</b> [External] Re: Please oppose HB 2298<o:p></o:p></span></p>
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<p class="MsoNormal">I agree we should oppose. Sadly I’m sick as a dog. When is the hearing and do we have a fiscal note yet?
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<p class="MsoNormal">Sent from my iPhone<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">On Jan 22, 2026, at 10:43<span style="font-family:"Arial",sans-serif"> </span>AM, Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"inherit",serif">I'm in a class for the next 3 hours but can look into this further this afternoon. I'm sure WLTA can testify on this about our concerns.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"><Outlook-velfzzsg.png><o:p></o:p></span></p>
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<p style="margin:0in"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span><span style="font-family:Roboto"><o:p></o:p></span></p>
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<p style="margin:0in"><span style="font-family:Roboto"><o:p> </o:p></span></p>
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<p style="margin:0in"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span><o:p></o:p></p>
<p style="margin:0in"><span style="font-size:9.5pt;font-family:Roboto;color:#222222">Ph: (360) 457-4451 | Fax:
<span style="background:white">(844) 513-2400</span></span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="mailto:maureen@olypentitle.com" target="_blank" title="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a></span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="https://urldefense.com/v3/__https:/url.avanan.click/v2/r01/___http:/*www.olypentitle.com/___.YXAzOmZpZGVsaXR5dGl0bGVjbzphOm86MzhlYWJiZWQ0YzNmNGY4MTNmOTQ2Nzk2MGQxZWFjYmI6NzozZGIyOjhhOGE4YWU4ZTA4MDlkOTZhNTRkMWQwNDE2MDQ0ZDcxZTQ1ZTk4MjNiNzhiNTQzOWQ2MjNhN2FkZmYzNzVlNjQ6aDpUOkY__;Lw!!L1aKtqoz4WY!bsZhuV-F94vxkAZTsOyR0dsEaATZTWGsBJrySFxqwB-96v_Hn9i59R_s1f_IG8wZ7rd2QWf2Sx-MlK4W2fIO$" target="_blank" title="Protected by Avanan: http://www.olypentitle.com/">www.olypentitle.com</a></span><span style="font-family:Roboto"><o:p></o:p></span></p>
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<b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><o:p></o:p></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;mso-line-height-alt:11.05pt">
<b><span style="font-family:"Times New Roman",serif;color:#222222">Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, such as the sales
contract or internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account.</span></b><o:p></o:p></p>
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<span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
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<b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#333333;background:yellow">ATTENTION LENDERS: Loan packages, complete with documents and balanced CD, must be received no later than 2:00 pm PST on the day
<i>prior</i> to signing.</span></b><o:p></o:p></p>
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<span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
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<b><span style="font-family:"Times New Roman",serif;color:#990000"><img border="0" width="96" height="96" style="width:1.0in;height:1.0in" id="_x0000_i1026" src="https://ci4.googleusercontent.com/proxy/NTeYNcEClGPpwHggQhZwTEbSA0lLJUWpRPCqETkeQth0ttOrN_jGm27ifReH9Vuc9_0=s0-d-e1-ft#https://i.imgur.com/JbY2vXS.png"></span></b><o:p></o:p></p>
<p style="margin:0in"><o:p> </o:p></p>
<p style="margin:0in;mso-line-height-alt:11.05pt"><b><span style="font-family:"Arial",sans-serif;color:#1155CC"><a href="https://urldefense.com/v3/__https:/url.avanan.click/v2/r01/___https:/*www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be___.YXAzOmZpZGVsaXR5dGl0bGVjbzphOm86MzhlYWJiZWQ0YzNmNGY4MTNmOTQ2Nzk2MGQxZWFjYmI6NzpjM2FhOjhkNGIwYjM2MTc4NmQzZWQxYjIxODAyMzA0MTEwODkxMGVmMzU5MTk4NDA1ODYzN2FmODMxNTNjZmM2ZGFkZmE6aDpUOkY__;Lw!!L1aKtqoz4WY!bsZhuV-F94vxkAZTsOyR0dsEaATZTWGsBJrySFxqwB-96v_Hn9i59R_s1f_IG8wZ7rd2QWf2Sx-MlIRRINp1$" target="_blank" title="Protected by Avanan: https://www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be"><span style="color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></a></span></b><b><span style="font-family:"Arial",sans-serif;color:blue"><br>
</span></b><b><span style="font-family:"Arial",sans-serif;color:#1155CC"><a href="https://urldefense.com/v3/__https:/url.avanan.click/v2/r01/___https:/*www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be___.YXAzOmZpZGVsaXR5dGl0bGVjbzphOm86MzhlYWJiZWQ0YzNmNGY4MTNmOTQ2Nzk2MGQxZWFjYmI6NzowMWI2OjRkOTIzNGVjYmI2NGJhYjgxNTA5OGY1Y2ViZTJmZmNkNDgyYjExMzc1NzliZWM4YjIyMGRjNzM2OWJiN2ZmNWM6aDpUOkY__;Lw!!L1aKtqoz4WY!bsZhuV-F94vxkAZTsOyR0dsEaATZTWGsBJrySFxqwB-96v_Hn9i59R_s1f_IG8wZ7rd2QWf2Sx-MlImzaveY$" target="_blank" title="Protected by Avanan: https://www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be"><span style="color:#1155CC">ON
WIRE FRAUD PREVENTION</span></a></span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222">This electronic mail may constitute a client communication that is privileged at law. It is not intended for transmission to, or receipt
by, any unauthorized persons. <br>
If you have received this electronic mail transmission in error, please delete it from your system without copying it, and notify the sender by reply e-mail, so that our address record can be corrected.</span></i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"> Carrie Tellefson <<a href="mailto:carrie@sound-gov.com">carrie@sound-gov.com</a>><br>
<b>Sent:</b> Thursday, January 22, 2026 10:32 AM<br>
<b>To:</b> JP Kissling <<a href="mailto:jpkissling@fitico.com">jpkissling@fitico.com</a>>; Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>>; Michelle Taylor <<a href="mailto:mjtaylor@firstam.com">mjtaylor@firstam.com</a>>;
sean powell <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> Fwd: Please oppose HB 2298</span> <o:p></o:p></p>
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<p class="MsoNormal">FYI please see the Trustee’s concerns on this bill. I have forwarded to the bankers to see if they want to weigh in.
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<p class="MsoNormal">Does the WLTA plan to testify?<o:p></o:p></p>
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<p class="MsoNormal">Sent from my iPhone<o:p></o:p></p>
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Begin forwarded message:<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><b>From:</b> hollychisa <<a href="mailto:hollychisa@hpcadvocacy.com">hollychisa@hpcadvocacy.com</a>><br>
<b>Date:</b> January 22, 2026 at 10:28:49<span style="font-family:"Arial",sans-serif"> </span>AM PST<br>
<b>To:</b> Carrie Tellefson <<a href="mailto:carrie@sound-gov.com">carrie@sound-gov.com</a>><br>
<b>Subject:</b> <b>Please oppose HB 2298</b><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">Hey there. On behalf of the United Trustees, I’m alerting folks to the hearing on HB 2298. The bill allows for providing some kind of mechanism to “secure” a property title. The trustees believe this will cloud
title and potentially make foreclosures impossible if the person dies or refuses to unlock the title to be processed in foreclosure.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black">I’m asking for financial institutions to oppose. Would you be able to talk with your folks and help us? Lance Olsen’s analysis is below.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">Holly Chisa</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">(360)791-6647</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><a href="mailto:hollychisa@hpcadvocacy.com">hollychisa@hpcadvocacy.com</a></span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="color:black">From: Lance Olsen <</span></b><b><u><span style="color:blue"><a href="mailto:LOlsen@McCarthyHolthus.com" target="_blank">LOlsen@McCarthyHolthus.com</a></span></u></b><b><span style="color:black">><br>
Date: Monday, January 12, 2026 at 11:50</span></b><b><span style="font-family:"Arial",sans-serif;color:black"> </span></b><b><span style="color:black">AM<br>
Subject: RE: Please review attached HB 2298</span></b><o:p></o:p></p>
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<p class="xmsonormal" style="margin:0in"><o:p> </o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt">I could see this being an invitation to abuse.</span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt">There needs to be an exception for the recording of a trustee’s deed. Absent that, the county could reject recording a TD for up to five days it would appear and that could delay the recording
to outside the 15 day relation back period. </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt">If I am reading this correctly, they are trying to allow for recording something that protects against fraudulent transfer. OK, seems like this won’t do much, but it needs to be clear
that a trustee’s deed can be recorded right away, or, that any delay in recording will have no impact on the relation back of the deed to the time of sale.</span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt">That’s my quick reading. </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-size:14.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Lance E. Olsen</span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><span style="font-family:"Calibri",sans-serif;color:#1F497D">Managing Partner Northwest </span><o:p></o:p></p>
<p class="xmsonormal" style="margin:0in"><o:p> </o:p></p>
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