of a consumer (other than debt related to a federally re-
lated mortgage loan)— 
(1) capitalize unpaid interest; 
(2) apply a higher interest rate triggered by the 
nonpayment of a debt to the debt balance; 
(3) charge a fee triggered by the nonpayment of 
a debt; 
(4) sue or threaten to sue for nonpayment of a 
debt; 
(5) continue litigation to collect a debt that was 
initiated before the date of enactment of this section; 
(6) submit or cause to be submitted a confes-
sion of judgment to any court; 
(7) enforce a security interest through reposses-
sion, limitation of use, or foreclosure; 
(8) take or threaten to take any action to en-
force collection, or any adverse action for non-
payment of a debt, or for nonappearance at any 
hearing relating to a debt; 
(9) commence or continue any action to cause 
or to seek to cause the collection of a debt, including 
pursuant to a court order issued before the end of 
the 120-day period following the end of the COVID– 
19 emergency, from wages, Federal benefits, or 
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other amounts due to a consumer by way of garnish-
ment, deduction, offset, or other seizure; 
(10) cause or seek to cause the collection of a 
debt, including pursuant to a court order issued be-
fore the end of the 120-day period following the end 
of the COVID–19 emergency, by levying on funds 
from a bank account or seizing any other assets of 
a consumer; 
(11) commence or continue an action to evict a 
consumer from real or personal property; or 
(12) disconnect or terminate service from utility 
service, including electricity, natural gas, tele-
communications or broadband, water, or sewer. 
(b) RULE OF CONSTRUCTION.—Nothing in this sec-
tion may be construed to prohibit a consumer from volun-
tarily paying, in whole or in part, a debt. 
(c) REPAYMENT PERIOD.—After the expiration of the 
COVID–19 emergency, with respect to a debt described 
under subsection (a), a debt collector— 
(1) may not add to the debt balance any inter-
est or fee prohibited by subsection (a); 
(2) shall, for credit with a defined term or pay-
ment period, extend the time period to repay the 
debt balance by 1 payment period for each payment 
that a consumer missed during the COVID–19 
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emergency, with the payments due in the same 
amounts and at the same intervals as the pre-exist-
ing payment schedule; 
(3) shall, for an open end credit plan (as de-
fined under section 103 of the Truth in Lending 
Act) or other credit without a defined term, allow 
the consumer to repay the debt balance in a manner 
that does not exceed the amounts permitted by for-
mulas under section 170(c) of the Truth in Lending 
Act and regulations promulgated thereunder; and 
(4) shall, when the consumer notifies the debt 
collector, offer reasonable and affordable repayment 
plans, loan modifications, refinancing, options with a 
reasonable time in which to repay the debt. 
(d) COMMUNICATIONS IN CONNECTION WITH THE 
COLLECTION OF A DEBT.— 
(1) IN
GENERAL.—During the COVID–19 
emergency, without prior consent of a consumer 
given directly to a debt collector during the COVID– 
19 emergency, or the express permission of a court 
of competent jurisdiction, a debt collector may only 
communicate in writing in connection with the col-
lection of any debt (other than debt related to a fed-
erally related mortgage loan). 
(2) REQUIRED DISCLOSURES.— 
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(A) IN GENERAL.—All written communica-
tions described under paragraph (1) shall in-
form the consumer that the communication is 
for informational purposes and is not an at-
tempt to collect a debt. 
(B) REQUIREMENTS.—The disclosure re-
quired under subparagraph (A) shall be made— 
(i) in type or lettering not smaller 
than 14-point bold type; 
(ii) separate from any other disclo-
sure; 
(iii) in a manner designed to ensure 
that the recipient sees the disclosure clear-
ly; 
(iv) in English and Spanish and in 
any additional languages in which the debt 
collector communicates, including the lan-
guage in which the loan was negotiated, to 
the extent known by the debt collector; and 
(v) may be provided by first-class mail 
or electronically, if the borrower has other-
wise consented to electronic communication 
with the debt collector and has not revoked 
such consent. 
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(C) ORAL NOTIFICATION.—Any oral notifi-
cation shall be provided in the language the 
debt collector otherwise uses to communicate 
with the borrower. 
(D) WRITTEN
TRANSLATIONS.—In pro-
viding written notifications in languages other 
than English in this section, a debt collector 
may rely on written translations developed by 
the Bureau of Consumer Financial Protection. 
(e) VIOLATIONS.— 
(1) IN GENERAL.—Any person who violates this 
section shall— 
(A) except as provided under subparagraph 
(B), be subject to civil liability in accordance 
with section 813 of the Fair Debt Collection 
Practices Act, as if the person is a debt col-
lector for purposes of that section; and 
(B) be liable to the consumer for an 
amount 10 times the amounts described in such 
section 813. 
(2) PREDISPUTE ARBITRATION AGREEMENTS.— 
Notwithstanding any other provision of law, no 
predispute arbitration agreement or predispute joint- 
action waiver shall be valid or enforceable with re-
spect to a dispute brought under this section, includ-
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