I 
117TH CONGRESS 
1ST SESSION H. R. 2296 
To amend the Small Business Act to prevent predatory debt collectors from 
receiving paycheck protection program loans, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 1, 2021 
Ms. BONAMICI (for herself, Ms. NEWMAN, Mr. COHEN, Mr. NADLER, Mr. 
TAKANO, Mr. BLUMENAUER, Ms. WILLIAMS of Georgia, Mr. GARCI´A of 
Illinois, Mr. COOPER, and Mrs. HAYES) introduced the following bill; 
which was referred to the Committee on Small Business 
A BILL 
To amend the Small Business Act to prevent predatory debt 
collectors from receiving paycheck protection program 
loans, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Ceasing Undeserved 
Relief Benefits for Debt Collectors Act for 2021’’ or the 
‘‘CURB Debt Collectors Act’’. 
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SEC. 2. DEBT COLLECTORS INELIGIBLE FOR PAYCHECK 
PROTECTION PROGRAM LOANS. 
(a) IN GENERAL.—Section 7(a) of the Small Busi-
ness Act (15 U.S.C. 636(a)), as amended by the Economic 
Aid to Hard-Hit Small Businesses, Nonprofits, and 
Venues Act (Public Law 116–260), is amended— 
(1) in paragraph (36), by adding at the end the 
following new subparagraph: 
‘‘(W) DEBT
COLLECTORS
INELIGIBLE.— 
An individual or entity shall be ineligible to re-
ceive a covered loan if— 
‘‘(i) such individual or entity is a debt 
collector (as defined in section 803 of the 
Fair Debt Collection Practices Act (15 
U.S.C. 1692a)); 
‘‘(ii) such individual or entity has 
been found to have violated of any provi-
sion of the Fair Debt Collection Practices 
Act (15 U.S.C. 1692 et seq.) pursuant 
to— 
‘‘(I) an adjudication by a Federal 
agency or an action brought in a 
court of competent jurisdiction if such 
adjudication or action constitutes an 
exercise 
of 
enforcement 
authority 
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under section 814 of such Act (15 
U.S.C. 1692l); or 
‘‘(II) any other action brought in 
a court of competent jurisdiction; 
‘‘(iii) the adjudication or action de-
scribed in clause (ii) was not resolved by a 
settlement agreement or consent decree 
that remains in effect as of the date on 
which such individual or entity applies for 
the covered loan if the adjudication or ac-
tion was brought by a Federal agency; and 
‘‘(iv) a final order or final judgment 
against such individual or entity pursuant 
to an adjudication or action described in 
clause (ii), as appropriate— 
‘‘(I) is issued or entered, as ap-
propriate, during the 10-year period 
ending on the date on which such in-
dividual or entity applies for the cov-
ered loan; 
‘‘(II) has not been overturned; 
and 
‘‘(III) is no longer subject to ap-
peal.’’; and 
(2) in paragraph (37)(A)(iv)(III)— 
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(A) in item (dd), by striking ‘‘or’’ at the 
end; 
(B) in item (ee), by striking ‘‘; and’’ and 
inserting ‘‘; or’’ ; and 
(C) by adding at the end the following new 
item: 
‘‘(ff) an individual or entity 
that, under subparagraph (W) of 
paragraph (36), is ineligible for a 
covered loan under such para-
graph; and’’. 
(b) APPLICABILITY.—The amendments made by sub-
section (a) shall not apply with respect to any loan made 
prior to date of the enactment of this Act. 
Æ 
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