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HOUSE 2547117th CongressReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Comprehensive Debt Collection Improvement Act

Last Action
5/17/2021

Actions

  • 2021-05-17Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2021-05-13Motion to reconsider laid on the table Agreed to without objection.
  • 2021-05-13On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
  • 2021-05-13Passed/agreed to in House: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
  • 2021-05-13The previous question was ordered pursuant to the rule.
  • 2021-05-13Motion to reconsider laid on the table. Agreed to without objection.
  • 2021-05-13Motion to reconsider laid on the table. Agreed to without objection.
  • 2021-05-13Motion to reconsider laid on the table. Agreed to without objection.
  • 2021-05-13POSTPONED PROCEEDINGS - At the conclusion of debate on the Wagner amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
  • 2021-05-13DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 10 minutes of debate on the Wagner amendment No. 9.
  • 2021-05-13POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 2, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
  • 2021-05-13DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 2.
  • 2021-05-13POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 1, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
  • 2021-05-13DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 1.
  • 2021-05-13DEBATE - The House proceeded with one hour of debate on H.R. 2547.

Showing 15 of 20 actions. Full history on Congress.gov.

CRS Summary

As of 2021-05-13 (53)

Comprehensive Debt Collection Improvement Act

This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities.

Regarding additional consumer protections, the bill

  • expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability;
  • prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and
  • applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures.

It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default.

Additionally, the bill restricts debt collectors and debt collection practices by

  • prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action,
  • limiting a debt collector's electronic communications with a debtor without the debtor's permission, and
  • requiring a debt collector to provide advance notice to a consumer of the intent to take legal action to collect a debt.

The Government Accountability Office must report on the impact of debt collection on service members and on the use of debt collectors by federal and state agencies.

Cosponsors (7)

  • GREGORY MEEKS (D-NY)
  • Madeleine Dean (D-PA)
  • Emanuel Cleaver (D-MO)
  • NYDIA VELAZQUEZ (D-NY)
  • Jake Auchincloss (D-MA)
  • Ayanna Pressley (D-MA)
  • Rashida Tlaib (D-MI)

Subjects

  • Bankruptcy
  • Business ethics
  • Cardiovascular and respiratory health
  • Civil actions and liability
  • Congressional oversight
  • Consumer credit
  • Debt collection
  • Disaster relief and insurance
  • Education of the disadvantaged
  • Emergency medical services and trauma care
  • Federal Reserve System
  • Government Accountability Office (GAO)
  • Government information and archives
  • Government lending and loan guarantees
  • Government studies and investigations
  • Health care costs and insurance
  • Health care coverage and access
  • Health information and medical records
  • Higher education
Read on Congress.gov

Sourced from Congress.gov (public domain).

This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.