172 
sections (a) and (b) on the day before such April 1 shall 
be adjusted— 
‘‘(1) to reflect the change in the Consumer 
Price Index for All Urban Consumers, published by 
the Department of Labor, for the most recent period 
ending immediately before January 1 preceding such 
April 1; and 
‘‘(2) to round to the nearest $25 the dollar 
amount that represents the change described in 
paragraph (1).’’. 
SEC. 203. AMENDMENTS TO THE FAIR CREDIT REPORTING 
ACT. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended— 
(1) in section 605(a) (15 U.S.C. 1681c(a)), by 
striking paragraph (1) and inserting the following: 
‘‘(1) Cases under title 11, United States Code, 
that, from the date of entry of the order for relief, 
antedate the report by more than 7 years.’’; and 
(2) in section 616 (15 U.S.C. 1681n)— 
(A) in subsection (a)(1)— 
(i) in subparagraph (A)— 
(I) by striking ‘‘$100’’ and in-
serting ‘‘$700’’; and 
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(II) by striking ‘‘$1,000’’ and in-
serting ‘‘$7,000’’; and 
(ii) in subparagraph (B), by striking 
‘‘$1,000’’ and inserting ‘‘$7,000’’; 
(B) in subsection (b), by striking ‘‘$1,000’’ 
and inserting ‘‘$7,000’’; and 
(C) by adding at the end the following: 
‘‘(e) ADJUSTMENT.—On April 1, 2022, and each 
April 1 thereafter, each dollar amount in effect under sub-
sections (a) and (b) on the day before such April 1 shall 
be adjusted— 
‘‘(1) to reflect the change in the Consumer 
Price Index for All Urban Consumers, published by 
the Department of Labor, for the most recent period 
ending immediately before January 1 preceding such 
April 1; and 
‘‘(2) to round to the nearest $25 the dollar 
amount that represents the change described in 
paragraph (1).’’. 
SEC. 204. AMENDMENTS TO THE EQUAL CREDIT OPPOR-
TUNITY ACT. 
Section 706 of the Equal Credit Opportunity Act (15 
U.S.C. 1691e) is amended— 
(1) in subsection (b)— 
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(A) by striking ‘‘$10,000’’ and inserting 
‘‘$60,000’’; and 
(B) by striking ‘‘500,000 or 1’’ and insert-
ing ‘‘$5,000,000 or 5’’; 
(2) by adding at the end the following: 
‘‘(l) ADJUSTMENT.—On April 1, 2022, and each 
April 1 thereafter, each dollar amount in effect under sub-
section (b) on the day before such April 1 shall be ad-
justed— 
‘‘(1) to reflect the change in the Consumer 
Price Index for All Urban Consumers, published by 
the Department of Labor, for the most recent period 
ending immediately before January 1 preceding such 
April 1; and 
‘‘(2) to round to the nearest $25 the dollar 
amount that represents the change described in 
paragraph (1).’’. 
SEC. 205. AMENDMENTS TO THE FAIR DEBT COLLECTION 
PRACTICES ACT. 
The Fair Debt Collection Practices Act (15 U.S.C. 
1692 et seq.) is amended— 
(1) in section 808 (15 U.S.C. 1692f), by adding 
at the end the following: 
‘‘(9) Filing a lawsuit or a claim in a bankruptcy 
case that is based on a debt without an actual, rea-
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175 
sonable, good-faith belief that the applicable statute 
of limitations for enforcement of that debt has not 
expired at the time of filing. 
‘‘(10) Any act to knowingly collect or attempt 
to collect a debt that has been discharged in bank-
ruptcy except acceptance of a purely voluntary pay-
ment of the debtor without encouragement or coer-
cion by the debt collector.’’; and 
(2) in section 813 (15 U.S.C. 1692k)— 
(A) in subsection (a)(2)— 
(i) in subparagraph (A), by striking 
‘‘$1,000’’ and inserting ‘‘$5,000’’; and 
(ii) in subparagraph (B), by striking 
‘‘$500,000 
or 
1’’ 
and 
inserting 
‘‘$5,000,000 or 5’’; and 
(B) by adding at the end the following: 
‘‘(f) On April 1, 2022, and each April 1 thereafter, 
each dollar amount in effect under paragraph (a)(2) on 
the day before such April 1 shall be adjusted— 
‘‘(1) to reflect the change in the Consumer 
Price Index for All Urban Consumers, published by 
the Department of Labor, for the most recent period 
ending immediately before January 1 preceding such 
April 1; and 
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176 
‘‘(2) to round to the nearest $25 the dollar 
amount that represents the change described in 
paragraph (1).’’. 
SEC. 206. AMENDMENTS TO THE ELECTRONIC FUND 
TRANSFERS ACT. 
Section 916 of the Electronic Fund Transfers Act 
(15 U.S.C. 1693m) is amended— 
(1) in subsection (a)(2)— 
(A) in subparagraph (A)— 
(i) by striking ‘‘$100’’ and inserting 
‘‘$500’’; and 
(ii) by striking ‘‘$1,000’’ and insert-
ing ‘‘$5,000’’; and 
(B) in subparagraph (B), by striking 
‘‘$500,000 or 1’’ and inserting ‘‘$5,000,000 or 
5’’; and 
(2) by adding at the end the following: 
‘‘(h) On April 1, 2022, and each April 1 thereafter, 
each dollar amount in effect under paragraph (a)(2) on 
the day before such April 1 shall be adjusted— 
‘‘(1) to reflect the change in the Consumer 
Price Index for All Urban Consumers, published by 
the Department of Labor, for the most recent period 
ending immediately before January 1 preceding such 
April 1, and 
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