IIB 
117TH CONGRESS 
1ST SESSION H. R. 2547 
IN THE SENATE OF THE UNITED STATES 
MAY 17, 2021 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To expand and enhance consumer, student, servicemember, 
and small business protections with respect to debt col-
lection practices, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Comprehensive Debt Collection Improvement Act’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
TITLE I—SMALL BUSINESS LENDING FAIRNESS ACT 
Sec. 101. Short title. 
Sec. 102. Obligor transactions. 
Sec. 103. Enforcement of security interests. 
TITLE II —FAIR DEBT COLLECTION PRACTICES FOR 
SERVICEMEMBERS ACT 
Sec. 201. Short title. 
Sec. 202. Enhanced 
protection 
against 
debt 
collector 
harassment 
of 
servicemembers. 
Sec. 203. GAO study and report. 
TITLE III—PRIVATE LOAN DISABILITY DISCHARGE ACT 
Sec. 301. Short title. 
Sec. 302. Protections for obligors and cosigners in case of death or total and 
permanent disability. 
TITLE IV—CONSUMER PROTECTION FOR MEDICAL DEBT 
COLLECTIONS ACT 
Sec. 401. Short title. 
Sec. 402. Amendments to the Fair Debt Collection Practices Act. 
Sec. 403. Prohibition on consumer reporting agencies reporting certain medical 
debt. 
Sec. 404. Requirements for furnishers of medical debt information. 
TITLE V—ENDING DEBT COLLECTION HARASSMENT ACT 
Sec. 501. Short title. 
Sec. 502. Consumer protections relating to debt collection practices. 
TITLE VI—STOP DEBT COLLECTION ABUSE ACT 
Sec. 601. Short title. 
Sec. 602. Definitions. 
Sec. 603. Debt collection practices for debt collectors hired by Federal agencies. 
Sec. 604. Unfair practices. 
Sec. 605. GAO study and report. 
TITLE VII—DEBT COLLECTION PRACTICES HARMONIZATION ACT 
Sec. 701. Short title. 
Sec. 702. Award of damages. 
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Sec. 703. Prohibition on the referral of emergency individual assistance debt. 
TITLE VIII—NON-JUDICIAL FORECLOSURE DEBT COLLECTION 
CLARIFICATION ACT 
Sec. 801. Short title. 
Sec. 802. Enforcement of security interests. 
TITLE IX—SECURING CONSUMERS AGAINST MISREPRESENTED 
DEBT ACT 
Sec. 901. Short title. 
Sec. 902. Legal actions by debt collectors. 
TITLE X—TEMPORARY RELIEF FOR PRIVATE STUDENT LOAN 
BORROWERS 
Sec. 1001. Temporary relief for private student loan borrowers. 
TITLE XI—REPORTS 
Sec. 1101. Report on COVID–19 pandemic debt collection practices. 
TITLE XII—FAIR DEBT COLLECTION IMPROVEMENT ACT 
Sec. 1201. Short title. 
Sec. 1202. Prohibition on collecting time-barred debt. 
TITLE XIII—CONSUMER BILL OF RIGHTS 
Sec. 1301. Consumer bill of rights against abusive debt collection practices. 
TITLE XIV—REPORT ON EXPERIENCES OF DELINQUENT 
BORROWERS OF PRIVATE EDUCATION LOANS 
Sec. 1401. Report on experiences of delinquent student loan borrowers. 
TITLE XV—REPORTS 
Sec. 1501. Report on use of electronic and telephone communications in the 
debt collection industry. 
TITLE XVI—REPORTS 
Sec. 1601. Report on debt collection practices and racial disparities. 
TITLE XVII—MISCELLANEOUS PROVISIONS 
Sec. 1701. Discretionary surplus funds. 
Sec. 1702. Effective date. 
TITLE XVIII—RELEASE OF COSIGNERS ON PRIVATE STUDENT 
LOANS ON DEATH OF BORROWER 
Sec. 1801. Short title. 
Sec. 1802. Applicability of certain amendments to the Truth in Lending Act. 
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TITLE I—SMALL BUSINESS 
LENDING FAIRNESS ACT 
SEC. 101. SHORT TITLE. 
This title may be cited as the ‘‘Small Business Lend-
ing Fairness Act’’. 
SEC. 102. OBLIGOR TRANSACTIONS. 
(a) IN GENERAL.—Chapter 2 of the Truth in Lend-
ing Act (15 U.S.C. 1631 et seq.) is amended by adding 
at the end the following: 
‘‘§ 140B. Unfair credit practices 
‘‘(a) IN GENERAL.—In connection with the extension 
of credit or creation of debt in or affecting commerce, as 
defined in section 4 of the Federal Trade Commission Act 
(15 U.S.C. 44), including any advance of funds or sale 
or assignment of future income or receivables that may 
or may not be credit, no person may directly or indirectly 
take or receive from another person or seek to enforce an 
obligation that constitutes or contains a cognovit or con-
fession of judgment (for purposes other than executory 
process in the State of Louisiana), warrant of attorney, 
or other waiver of the right to notice and the opportunity 
to be heard in the event of suit or process thereon. 
‘‘(b) EXEMPTION.—The exemptions described in sec-
tion 104 shall not apply to this section.’’. 
(b) TECHNICAL AND CONFORMING AMENDMENTS.— 
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(1) Section 130 of the Truth in Lending Act 
(15 U.S.C. 1640) is amended by adding at the end 
the following: 
‘‘(m) CREDITOR.—In this section, the term ‘creditor’ 
refers to any person charged with compliance that is not 
the obligor.’’. 
(2) The table of sections in chapter 2 of the 
Truth in Lending Act (15 U.S.C. 1631 et seq.) is 
amended by adding at the end the following: 
‘‘140B. Unfair credit practices.’’. 
SEC. 103. ENFORCEMENT OF SECURITY INTERESTS. 
Section 103 of the Truth in Lending Act (15 U.S.C. 
1602) is amended by adding at the end the following: 
‘‘(ff) The term ‘debt’ means any obligation of a per-
son to pay to another person money— 
‘‘(1) that includes the right of the person pro-
viding the money to a legal or an equitable remedy 
for breach of performance if the breach gives rise to 
a right to payment; and 
‘‘(2) regardless of whether the obligation or 
right to a remedy described in paragraph (1) is ab-
solute or contingent, has been reduced to judgment, 
is fixed, matured, unmatured, disputed, undisputed, 
recourse, nonrecourse, secured, or unsecured’’. 
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TITLE II—FAIR DEBT COLLEC-
TION 
PRACTICES 
FOR 
SERVICEMEMBERS ACT 
SEC. 201. SHORT TITLE. 
This title may be cited as the ‘‘Fair Debt Collection 
Practices for Servicemembers Act’’. 
SEC. 202. ENHANCED PROTECTION AGAINST DEBT COL-
LECTOR 
HARASSMENT 
OF 
SERVICEMEMBERS. 
(a) COMMUNICATION IN CONNECTION WITH DEBT 
COLLECTION.—Section 805 of the Fair Debt Collection 
Practices Act (15 U.S.C. 1692c) is amended by adding 
at the end the following: 
‘‘(e) COMMUNICATIONS CONCERNING SERVICEMEM-
BER DEBTS.— 
‘‘(1) DEFINITION.—In this subsection, the term 
‘covered member’ means— 
‘‘(A) a covered member or a dependent as 
defined in section 987(i) of title 10, United 
States Code; and 
‘‘(B)(i) an individual who was separated, 
discharged, or released from duty described in 
such section 987(i)(1), but only during the 365- 
day period beginning on the date of separation, 
discharge, or release; or 
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‘‘(ii) a person, with respect to an individual 
described in clause (i), described in subpara-
graph (A), (D), (E), or (I) of section 1072(2) 
of title 10, United States Code. 
‘‘(2) PROHIBITIONS.—A debt collector may not, 
in connection with the collection of any debt of a 
covered member— 
‘‘(A) threaten to have the covered member 
reduced in rank; 
‘‘(B) threaten to have the covered mem-
ber’s security clearance revoked; or 
‘‘(C) threaten to have the covered member 
prosecuted under chapter 47 of title 10, United 
States Code (the Uniform Code of Military Jus-
tice).’’. 
(b) UNFAIR PRACTICES.—Section 808 of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692f) is amend-
ed by adding at the end the following: 
‘‘(9) The representation to any covered member 
(as defined under section 805(e)(1)) that failure to 
cooperate with a debt collector will result in— 
‘‘(A) a reduction in rank of the covered 
member; 
‘‘(B) a revocation of the covered member’s 
security clearance; or 
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‘‘(C) prosecution under chapter 47 of title 
10, United States Code (the Uniform Code of 
Military Justice).’’. 
SEC. 203. GAO STUDY AND REPORT. 
(a) STUDY.—The Comptroller General of the United 
States shall conduct a study on the impact of debt collec-
tion on covered members (as defined under section 
805(e)(1) of the Fair Debt Collection Practices Act, as 
added by section 202), which shall— 
(1) identify types of false, deceptive, misleading, 
unfair, abusive, and harassing debt collection prac-
tices experienced by covered members and make rec-
ommendations to eliminate these practices; 
(2) identify collection practices of creditors and 
debt collectors experienced by covered members; 
(3) discuss the effect of these practices on mili-
tary readiness; and 
(4) discuss any national security implications, 
including the extent to which covered members with 
security clearances would be impacted by uncollected 
debt. 
(b) REPORT.—Not later than 1 year after the date 
of enactment of this Act, the Comptroller General of the 
United States shall submit to Congress a report on the 
completed study required under subsection (a). 
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TITLE III—PRIVATE LOAN 
DISABILITY DISCHARGE ACT 
SEC. 301. SHORT TITLE. 
This title may be cited as the ‘‘Private Loan Dis-
ability Discharge Act of 2021’’. 
SEC. 302. PROTECTIONS FOR OBLIGORS AND COSIGNERS IN 
CASE OF DEATH OR TOTAL AND PERMANENT 
DISABILITY. 
(a) IN GENERAL.—Section 140(g) of the Truth in 
Lending Act (15 U.S.C. 1650(g)) is amended— 
(1) in paragraph (2)— 
(A) in the heading, by striking ‘‘IN CASE 
OF DEATH OF BORROWER’’; 
(B) in subparagraph (A), by inserting after 
‘‘of the death’’, the following: ‘‘or total and per-
manent disability’’; and 
(C) in subparagraph (C), by inserting after 
‘‘of the death’’, the following: ‘‘or total and per-
manent disability’’; and 
(2) by adding at the end the following: 
‘‘(3) DISCHARGE IN CASE OF DEATH OR TOTAL 
AND PERMANENT DISABILITY OF BORROWER.—The 
holder of a private education loan shall, when noti-
fied of the death or total and permanent disability 
of a student obligor (and any cosigner), discharge 
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the liability of the student obligor on the loan and 
may not, after such notification— 
‘‘(A) attempt to collect on the outstanding 
liability of the student obligor; and 
‘‘(B) in the case of total and permanent 
disability, monitor the disability status of the 
student obligor at any point after the date of 
discharge. 
‘‘(4) PRIVATE DISCHARGE IN CASES OF CER-
TAIN DISCHARGE FOR DEATH OR DISABILITY.—The 
holder of a private education loan shall, when noti-
fied of the discharge of liability of a student obligor 
on a loan described under section 108(f)(5)(A) of 
the Internal Revenue Code of 1986, discharge any li-
ability of the student obligor (and any cosigner) on 
any private education loan which the private edu-
cation loan holder holds and may not, after such no-
tification— 
‘‘(A) attempt to collect on the outstanding 
liability of the student obligor; and 
‘‘(B) in the case of total and permanent 
disability, monitor the disability status of the 
student obligor at any point after the date of 
discharge. 
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‘‘(5) TOTAL AND PERMANENT DISABILITY DE-
FINED.—For the purposes of this subsection and 
with respect to an individual, the term ‘total and 
permanent disability’ means the individual is totally 
and permanently disabled, as such term is defined in 
section 685.102(b) of title 34, Code of Federal Reg-
ulations.’’. 
(b) RULEMAKING.—The Director of the Bureau of 
Consumer Financial Protection may issue rules to imple-
ment the amendments made by subsection (a) as the Di-
rector determines appropriate. 
TITLE IV—CONSUMER PROTEC-
TION 
FOR 
MEDICAL 
DEBT 
COLLECTIONS ACT 
SEC. 401. SHORT TITLE. 
This title may be cited as the ‘‘Consumer Protection 
for Medical Debt Collections Act’’. 
SEC. 402. AMENDMENTS TO THE FAIR DEBT COLLECTION 
PRACTICES ACT. 
(a) DEFINITION.—Section 803 of the Fair Debt Col-
lection Practices Act (15 U.S.C. 1692a) is amended by 
adding at the end the following: 
‘‘(9) The term ‘medical debt’ means a debt aris-
ing from the receipt of medical services, products, or 
devices.’’. 
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(b) UNFAIR PRACTICES.—Section 808 of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692f), as 
amended by section 202(b), is amended by adding at the 
end the following: 
‘‘(10) Engaging in activities to collect or at-
tempting to collect a medical debt before the end of 
the 2-year period beginning on the date that the 
first payment with respect to such medical debt is 
due.’’. 
SEC. 403. PROHIBITION ON CONSUMER REPORTING AGEN-
CIES REPORTING CERTAIN MEDICAL DEBT. 
(a) DEFINITION.—Section 603 of the Fair Credit Re-
porting Act (15 U.S.C. 1681a) is amended by adding at 
the end the following: 
‘‘(bb) MEDICAL DEBT.—The term ‘medical debt’ 
means a debt arising from the receipt of medical services, 
products, or devices. 
‘‘(cc) MEDICALLY NECESSARY PROCEDURE.—The 
term ‘medically necessary procedure’ means— 
‘‘(1) health care services or supplies needed to 
diagnose or treat an illness, injury, condition, dis-
ease, or its symptoms and that meet accepted stand-
ards of medicine; and 
‘‘(2) health care to prevent illness or detect ill-
ness at an early stage, when treatment is likely to 
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work best (including preventive services such as pap 
tests, flu shots, and screening mammograms).’’. 
(b) IN GENERAL.—Section 605(a) of the Fair Credit 
Reporting Act (15 U.S.C. 1681c(a)) is amended by adding 
at the end the following new paragraphs: 
‘‘(9) Any information related to a debt arising 
from a medically necessary procedure. 
‘‘(10) Any information related to a medical 
debt, if the date on which such debt was placed for 
collection, charged to profit or loss, or subjected to 
any similar action antedates the report by less than 
365 calendar days.’’. 
SEC. 404. REQUIREMENTS FOR FURNISHERS OF MEDICAL 
DEBT INFORMATION. 
(a) ADDITIONAL NOTICE REQUIREMENTS FOR MED-
ICAL DEBT.—Section 623 of the Fair Credit Reporting 
Act (15 U.S.C. 1681s–2) is amended by adding at the end 
the following: 
‘‘(f) ADDITIONAL NOTICE REQUIREMENTS FOR MED-
ICAL DEBT.—Before furnishing information regarding a 
medical debt of a consumer to a consumer reporting agen-
cy, the person furnishing the information shall send a 
statement to the consumer that includes the following: 
‘‘(1) A notification that the medical debt— 
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‘‘(A) may not be included on a consumer 
report made by a consumer reporting agency 
until the later of the date that is 365 days 
after— 
‘‘(i) the date on which the person 
sends the statement; 
‘‘(ii) with respect to the medical debt 
of a borrower demonstrating hardship, a 
date determined by the Director of the Bu-
reau; or 
‘‘(iii) the date described under section 
605(a)(10); and 
‘‘(B) may not ever be included on a con-
sumer report made by a consumer reporting 
agency, if the medical debt arises from a medi-
cally necessary procedure. 
‘‘(2) A notification that, if the debt is settled or 
paid by the consumer or an insurance company be-
fore the end of the period described under paragraph 
(1)(A), the debt may not be reported to a consumer 
reporting agency. 
‘‘(3) A notification that the consumer may— 
‘‘(A) communicate with an insurance com-
pany to determine coverage for the debt; or 
‘‘(B) apply for financial assistance.’’. 
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(b) FURNISHING
OF
MEDICAL
DEBT
INFORMA-
TION.—Section 623 of the Fair Credit Reporting Act (15 
U.S.C. 1681s–2), as amended by subsection (a), is further 
amended by adding at the end the following: 
‘‘(g) FURNISHING
OF MEDICAL DEBT INFORMA-
TION.— 
‘‘(1) PROHIBITION
ON
REPORTING
DEBT
RE-
LATED TO MEDICALLY NECESSARY PROCEDURES.— 
No person shall furnish any information to a con-
sumer reporting agency regarding a debt arising 
from a medically necessary procedure. 
‘‘(2) TREATMENT OF OTHER MEDICAL DEBT IN-
FORMATION.—With respect to a medical debt not 
described under paragraph (1), no person shall fur-
nish any information to a consumer reporting agen-
cy regarding such debt before the end of the 365- 
day period beginning on the later of— 
‘‘(A) the date on which the person sends 
the statement described under subsection (f) to 
the consumer; 
‘‘(B) with respect to the medical debt of a 
borrower demonstrating hardship, a date deter-
mined by the Director of the Bureau; or 
‘‘(C) 
the 
date 
described 
in 
section 
605(a)(10). 
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‘‘(3) TREATMENT OF SETTLED OR PAID MED-
ICAL DEBT.—With respect to a medical debt not de-
scribed under paragraph (1), no person shall furnish 
any information to a consumer reporting agency re-
garding such debt if the debt is settled or paid by 
the consumer or an insurance company before the 
end of the 365-day period described under para-
graph (2). 
‘‘(4) BORROWER
DEMONSTRATING
HARDSHIP 
DEFINED.—In this subsection, and with respect to a 
medical debt, the term ‘borrower demonstrating 
hardship’ means a borrower or a class of borrowers 
who, as determined by the Director of the Bureau, 
is facing or has experienced extenuating life cir-
cumstances or events that result in severe financial 
or personal barriers such that the borrower or class 
of borrowers does not have the capacity to repay the 
medical debt.’’. 
TITLE V—ENDING DEBT 
COLLECTION HARASSMENT ACT 
SEC. 501. SHORT TITLE. 
This title may be cited as the ‘‘Ending Debt Collec-
tion Harassment Act of 2021’’. 
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SEC. 502. CONSUMER PROTECTIONS RELATING TO DEBT 
COLLECTION PRACTICES. 
(a) REPORTS ON DEBT COLLECTION COMPLAINTS 
AND ENFORCEMENT ACTIONS.— 
(1) SEMI-ANNUAL REPORT.—Section 1016(c) of 
the Consumer Financial Protection Act of 2010 (12 
U.S.C. 5496(c)) is amended— 
(A) in paragraph (8), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (9), by striking the pe-
riod at the end and inserting a semicolon; and 
(C) by adding at the end the following: 
‘‘(10) an analysis of the consumer complaints 
received by the Bureau with respect to debt collec-
tion, including a State-by-State breakdown of such 
complaints; 
‘‘(11) an analysis of the number of people un-
able to pay a debt because a debt collector is unable 
to accept a cash payment; and 
‘‘(12) a list of enforcement actions taken 
against debt collectors during the preceding year.’’. 
(2) ANNUAL REPORT.—Section 815(a) of the 
Fair Debt Collection Practices Act (15 U.S.C. 
1692m(a)) is amended by adding at the end the fol-
lowing new sentence: ‘‘Each such report shall also 
include an analysis of the impact of electronic com-
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munications by debt collectors on consumer experi-
ences with debt collection, including a consideration 
of consumer complaints about the use of electronic 
communications in debt collection.’’. 
(b) LIMITATION ON DEBT COLLECTION RULES.— 
Section 1022 of the Consumer Financial Protection Act 
of 2010 (12 U.S.C. 5512) is amended by adding at the 
end the following: 
‘‘(e) LIMITATION ON DEBT COLLECTION RULES.— 
The Director may not issue any rule with respect to debt 
collection that does not prohibit a debt collector to send 
unlimited email, text messages, and direct messages 
through social media to a consumer.’’. 
(c) PROTECTION OF CONSUMERS FROM UNLIMITED 
TEXTS, EMAILS, AND SOCIAL MEDIA MESSAGES USED IN 
DEBT COLLECTION.—Section 806 of the Fair Debt Col-
lection Practices Act (15 U.S.C. 1692d) is amended by 
adding at the end the following new paragraph: 
‘‘(7) Contacting the person electronically, in-
cluding by email, text message, and direct message 
through social media, if— 
‘‘(A) the communication is required to be 
in writing and the person has not consented to 
receive the communication electronically in ac-
cordance with the requirements of the Elec-
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tronic Signatures in Global and National Com-
merce Act; 
‘‘(B) the communication is governed by the 
Telephone Consumer Protection Act and the 
person has not consented to receive such com-
munication in accordance with the requirements 
of such Act; 
‘‘(C) consent by the person to receive the 
communication was not provided directly to the 
debt collector; 
‘‘(D) consent by the person to receive the 
communication electronically has been with-
drawn; or 
‘‘(E) the frequency of contact by the debt 
collector is greater than consented to by the 
person.’’. 
(d) PROTECTION OF CONSUMERS FROM SOCIAL 
MEDIA COMMUNICATIONS IN DEBT COLLECTION.—Sec-
tion 808(7) of the Fair Debt Collection Practices Act (15 
U.S.C. 1692f) is amended by inserting the following before 
the period: ‘‘or through a social media platform if the com-
munication is viewable by the general public or the per-
son’s social media contacts’’. 
(e) ENSURING CONSUMERS RECEIVE NOTICE
OF 
DEBT COLLECTION PROTECTIONS.—Section 809(a) of the 
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Fair Debt Collection Practices Act (15 U.S.C. 1692g(a)) 
is amended in the matter preceding paragraph (1)— 
(1) by striking ‘‘Within five days’’ and all that 
follows through ‘‘any debt,’’ and inserting the fol-
lowing: ‘‘NOTICE OF DEBT; CONTENTS.—Within five 
days after the initial communication with a con-
sumer in connection with the collection of any 
debt,’’; and 
(2) by striking ‘‘, unless the following informa-
tion is contained in the initial communication or the 
consumer has paid the debt,’’. 
(f) IMPROVED LIMITATIONS ON DEBT COLLECTION 
RULES.—Section 814(d) of the Fair Debt Collection Prac-
tices Act (15 U.S.C. 1692l(d)) is amended by adding at 
the end the following: ‘‘Such rules— 
‘‘(1) may not allow a debt collector to send un-
limited electronic communications to a consumer; 
‘‘(2) shall require debt collectors to obtain con-
sent directly from consumers before contacting them 
using a method other than by postal mail or by tele-
phone; 
‘‘(3) may not waive the requirements of the 
Electronic Signatures in Global and National Com-
merce Act (15 U.S.C. 7001 et seq.); and 
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‘‘(4) shall allow consumers to opt out of any 
method of communication that the debt collector 
uses to communicate with consumers, including a 
method for which such consumer had given prior 
consent.’’. 
TITLE VI—STOP DEBT 
COLLECTION ABUSE ACT 
SEC. 601. SHORT TITLE. 
This title may be cited as the ‘‘Stop Debt Collection 
Abuse Act of 2021’’. 
SEC. 602. DEFINITIONS. 
Section 803 of the Fair Debt Collection Practices Act 
(15 U.S.C. 1692a) is amended— 
(1) in paragraph (4), by striking ‘‘facilitating 
collection of such debt for another’’ and inserting 
‘‘collection of such debt’’; 
(2) by amending paragraph (5) to read as fol-
lows: 
‘‘(5) The term ‘debt’ means any obligation or 
alleged obligation of a consumer— 
‘‘(A) to pay money arising out of a trans-
action in which the money, property, insurance 
or services which are the subject of the trans-
action are primarily for personal, family, or 
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household purposes, whether or not such obliga-
tion has been reduced to judgment; 
‘‘(B) to pay a loan, overpayment, fine, pen-
alty, restitution, fee, or other money currently 
or originally owed to or guaranteed by a Fed-
eral or State government, including any courts 
or agencies; or 
‘‘(C) which is secured by real or personal 
property that is used or was obtained primarily 
for personal, family, or household purposes, 
where such property is subject to forfeiture or 
repossession upon nonpayment of the obligation 
or alleged obligation. 
The enforcement of a debt described in subpara-
graph (C) is deemed to be a collection of a debt.’’; 
and 
(3) in paragraph (6)— 
(A) by redesignating subparagraphs (A) 
through (F) as clauses (i) through (vi), respec-
tively; 
(B) in clause (iii), as so redesignated, by 
inserting ‘‘(not including an independent con-
tractor)’’ after ‘‘any State’’; 
(C) by amending clause (vi), as so redesig-
nated, to read as follows: 
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‘‘(vi) any person collecting or attempting 
to collect any debt owed or due or asserted to 
be owed or due another to the extent such ac-
tivity— 
‘‘(I) is incidental to a bona fide fidu-
ciary obligation or a bona fide escrow ar-
rangement; 
‘‘(II) concerns a debt which was origi-
nated by such person; 
‘‘(III) concerns a debt which was not 
in default at the time it was obtained by 
such person; or 
‘‘(IV) concerns a debt obtained by 
such person as a secured party in a com-
mercial credit transaction involving the 
creditor.’’; 
(D) by striking the paragraph designation 
and the first and second sentences and insert-
ing the following: 
‘‘(6)(A) The term ‘debt collector’ means— 
‘‘(i) any person who uses any instrumen-
tality of interstate commerce or the mails in 
any business the principal purpose of which is 
the collection of any debts; 
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‘‘(ii) any person who regularly collects or 
attempts to collect, directly or indirectly, by the 
person’s own means or by hiring another debt 
collector, debts owed or due or asserted to be 
owed or due another or that have been obtained 
by assignment or transfer from another; 
‘‘(iii) any person who regularly collects 
debts currently or originally owed or allegedly 
owed to a Federal or State agency or court; or 
‘‘(iv) 
notwithstanding 
subparagraph 
(B)(vi), any creditor who in the process of col-
lecting debts of such creditor, uses another 
name that would indicate that a third person is 
collecting or attempting to collect such debts.’’; 
and 
(E) in the fourth sentence, by striking 
‘‘The term does not include’’ and inserting the 
following: 
‘‘(B) The term does not include’’. 
SEC. 603. DEBT COLLECTION PRACTICES FOR DEBT COL-
LECTORS HIRED BY FEDERAL AGENCIES. 
(a) IN GENERAL.—The Fair Debt Collection Prac-
tices Act (15 U.S.C. 1692 et seq.) is amended by inserting 
after section 812 (15 U.S.C. 1692j) the following: 
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‘‘§ 812A. Debt collection practices for debt collectors 
hired by Federal agencies 
‘‘(a) LIMITATION ON TIME TO TURN DEBT OVER TO 
DEBT COLLECTOR.—A Federal agency that is a creditor 
may not sell or transfer a debt described in section 
803(5)(B) to a debt collector earlier than 90 days after 
the date on which the obligation or alleged obligation be-
comes delinquent or defaults. 
‘‘(b) REQUIRED NOTICE.— 
‘‘(1) IN GENERAL.—Before transferring or sell-
ing a debt described in section 803(5)(B) to a debt 
collector or contracting with a debt collector to col-
lect such a debt, a Federal agency shall notify the 
consumer not fewer than 3 times that the Federal 
agency will take such action. 
‘‘(2) FREQUENCY
OF
NOTIFICATIONS.—The 
second and third notifications described in para-
graph (1) shall be made not less than 30 days after 
the date on which the previous notification is 
made.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
for the Fair Debt Collection Practices Act is amended by 
inserting after the item relating to section 812 the fol-
lowing: 
‘‘812A. Debt collection practices for debt collectors hired by Federal agencies.’’. 
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SEC. 604. UNFAIR PRACTICES. 
Section 808 of the Fair Debt Collection Practices Act 
(15 U.S.C. 1692f) is amended by striking paragraph (1) 
and inserting the following: 
‘‘(1) The collection of any amount (including 
any interest, fee, charge, or expense incidental to the 
principal obligation) unless— 
‘‘(A) such amount is expressly authorized 
by the agreement creating the debt or permitted 
by law; and 
‘‘(B) in the case of any amount charged by 
a debt collector collecting a debt described in 
section 803(5)(B), such amount is— 
‘‘(i) reasonable in relation to the ac-
tual costs of the collection; 
‘‘(ii) authorized by a contract between 
the debt collector and the Federal or State 
government; and 
‘‘(iii) not greater than 10 percent of 
the amount collected by the debt col-
lector.’’. 
SEC. 605. GAO STUDY AND REPORT. 
(a) STUDY.—The Comptroller General of the United 
States shall commence a study on the use of debt collec-
tors by Federal and State government agencies, includ-
ing— 
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(1) the powers given to the debt collectors by 
Federal and State government agencies; 
(2) the contracting process that allows a Fed-
eral or State government agency to award debt col-
lection to a certain company, including the selection 
process; 
(3) any fees charged to debtors in addition to 
principal and interest on the outstanding debt; 
(4) how the fees described in paragraph (3) 
vary from State to State; 
(5) consumer protection at the Federal and 
State level that offer recourse to those whom debts 
have been wrongfully attributed; 
(6) the revenues received by debt collectors 
from Federal and State government agencies; 
(7) the amount of any revenue sharing agree-
ments between debt collectors and Federal and State 
government agencies; 
(8) the difference in debt collection procedures 
across geographic regions, including the extent to 
which debt collectors pursue court judgments to col-
lect debts; 
(9) information regarding the amount collected 
by Federal and State government agencies through 
debt collectors, including the total amount and the 
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percentage of the amount referred to the debt collec-
tors; 
(10) the full cost of outsourcing collection to 
debt collectors; 
(11) government agency oversight of debt col-
lectors to ensure that the rights of a consumer (as 
defined in section 803(3) of the Fair Debt Collection 
Practices Act (15 U.S.C. 1692a(3))) are protected 
and that any debt relief and payment options legally 
available to consumers is effectively communicated 
and made available; 
(12) the extent to which Federal and State con-
tracts with debt collectors reflect or omit effective 
measures to encourage debt collectors to align their 
practices with public policy concerns (including relief 
for consumers experiencing financial hardship) be-
yond maximizing debt collection; 
(13) the extent to which debt collectors induce 
payment through use or threat of adverse govern-
ment actions, such as arrest warrants or suspension 
of licenses or vehicle registration; and 
(14) demographic data, including race and in-
come information, regarding the individuals subject 
to private collection of debts owed to government en-
tities. 
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(b) REPORT.—Not later than 1 year after the date 
of enactment of this Act, the Comptroller General of the 
United States shall submit to Congress a report on the 
completed study required under subsection (a). 
(c) STATE DEFINED.—For the purposes of this sec-
tion, the term ‘‘State’’ has the meaning given the term 
section 803 of the Fair Debt Collection Practices Act. 
TITLE VII—DEBT COLLECTION 
PRACTICES HARMONIZATION 
ACT 
SEC. 701. SHORT TITLE. 
This title may be cited as the ‘‘Debt Collection Prac-
tices Harmonization Act’’. 
SEC. 702. AWARD OF DAMAGES. 
(a) ADDITIONAL DAMAGES INDEXED
FOR INFLA-
TION.— 
(1) IN
GENERAL.—Section 813 of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692k) is 
amended— 
(A) in subsection (a)(2)— 
(i) in subparagraph (A), by striking ‘‘; 
or’’ and inserting the following: ‘‘with re-
spect to any one action taken by a debt 
collector in violation of this subchapter; 
or’’; 
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(ii) in subparagraph (B)(ii), by strik-
ing ‘‘or 1 per centum of the net worth of 
the debt collector; and’’ and inserting the 
following: ‘‘or 5 percent of the gross an-
nual revenue of the debt collector; and’’; 
(B) in subsection (b), by inserting ‘‘the 
maximum amount of statutory damages at the 
time of noncompliance,’’ before ‘‘the frequency’’ 
each place it appears; and 
(C) by adding at the end the following: 
‘‘(f) ADJUSTMENT FOR INFLATION.— 
‘‘(1) INITIAL ADJUSTMENT.—Not later than 90 
days after the date of the enactment of this sub-
section, the Bureau shall provide a percentage in-
crease (rounded to the nearest multiple of $100 or 
$1,000, as applicable) in the amounts set forth in 
this section equal to the percentage by which— 
‘‘(A) the Consumer Price Index for All 
Urban Consumers (all items, United States city 
average) for the 12-month period ending on the 
June 30 preceding the date on which the per-
centage increase is provided, exceeds 
‘‘(B) the Consumer Price Index for the 12- 
month period preceding January 1, 1978. 
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‘‘(2) ANNUAL ADJUSTMENTS.—With respect to 
any fiscal year beginning after the date of the in-
crease provided under paragraph (1), the Bureau 
shall provide a percentage increase (rounded to the 
nearest multiple of $100 or $1,000, as applicable) in 
the amounts set forth in this section equal to the 
percentage by which— 
‘‘(A) the Consumer Price Index for All 
Urban Consumers (all items, United States city 
average) for the 12-month period ending on the 
June 30 preceding the beginning of the fiscal 
year for which the increase is made, exceeds 
‘‘(B) the Consumer Price Index for the 12- 
month period preceding the 12-month period 
described in subparagraph (A).’’. 
(2) APPLICABILITY.—The increases made under 
section 813(f) of the Fair Debt Collection Practices 
Act, as added by paragraph (1)(C) of this sub-
section, shall apply with respect to failures to comply 
with a provision of such Act (15 U.S.C. 1601 et 
seq.) occurring on or after the date of enactment of 
this section. 
(b) INJUNCTIVE RELIEF.—Section 813(d) of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692k(d)) is 
amended by adding at the end the following: ‘‘In a civil 
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action alleging a violation of this title, the court may 
award appropriate relief, including injunctive relief.’’. 
SEC. 703. PROHIBITION ON THE REFERRAL OF EMERGENCY 
INDIVIDUAL ASSISTANCE DEBT. 
Chapter 3 of title 31, United States Code, is amend-
ed— 
(1) in subchapter II, by adding at the end the 
following: 
‘‘§ 334. Prohibition on the referral of emergency indi-
vidual assistance debt 
‘‘With respect to any assistance provided by the Fed-
eral Emergency Management Agency to an individual or 
household pursuant to the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 U.S.C. 5122 et 
seq.), if the Secretary of the Treasury seeks to recoup any 
amount of such assistance because of an overpayment, the 
Secretary may not contract with any debt collector as de-
fined in section 803(6) of the Fair Debt Collection Prac-
tices Act (15 U.S.C. 1692a(6)) or other private party to 
collect such amounts, unless the overpayment occurred be-
cause of fraud or deceit and the recipient of such assist-
ance knew or should have known about such fraud or de-
ceit.’’; and 
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(2) in the table of contents for such chapter, by 
inserting after the item relating to section 333 the 
following: 
‘‘334. Prohibition on the referral of emergency individual assistance debt.’’. 
TITLE 
VIII—NON-JUDICIAL 
FORECLOSURE 
DEBT 
COL-
LECTION CLARIFICATION ACT 
SEC. 801. SHORT TITLE. 
This title may be cited as the ‘‘Non-Judicial Fore-
closure Debt Collection Clarification Act’’. 
SEC. 802. ENFORCEMENT OF SECURITY INTERESTS. 
Section 803(6) of the Fair Debt Collection Practices 
Act (15 U.S.C. 1692a(6)) is further amended by striking 
‘‘For the purpose of section 808(6), such term also in-
cludes any person who uses any instrumentality of inter-
state commerce or the mails in any business the principal 
purpose of which is the enforcement of security inter-
ests.’’. 
TITLE 
IX—SECURING 
CON-
SUMERS AGAINST MISREPRE-
SENTED DEBT ACT 
SEC. 901. SHORT TITLE. 
This title may be cited as the ‘‘Securing Consumers 
Against Misrepresented Debt Act of 2021’’ or the ‘‘SCAM 
Debt Act’’. 
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SEC. 902. LEGAL ACTIONS BY DEBT COLLECTORS. 
Section 811 of the Fair Debt Collections Practices 
Act (15 U.S.C. 1692i) is amended— 
(1) by redesignating subsection (b) as sub-
section (c); and 
(2) by inserting after subsection (a) the fol-
lowing new subsection: 
‘‘(b) REQUIREMENTS FOR DEBT COLLECTORS.—A 
debt collector that takes legal action to collect or attempt 
to collect a debt shall comply with the following require-
ments: 
‘‘(1) Provide the consumer written notice of the 
intent to take legal action, sent to the consumer’s 
last known address at least 30 days and not later 
than 60 days in advance of commencing the legal ac-
tion, that shall include— 
‘‘(A) all methods that the consumer can 
use to contact the debt collector; and 
‘‘(B) all information contained in the no-
tice required under section 809(a) (excluding 
the information described in paragraphs (3), 
(4), and (5) of such section), updated to ensure 
correctness. 
‘‘(2) In the initial pleading filed by a debt col-
lector to commence a legal action to collect a debt, 
include— 
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‘‘(A) all information contained in the no-
tice required under section 809(a) (excluding 
the information described in paragraphs (3), 
(4), and (5) of such section), except any ac-
count numbers and any personally identifiable 
information, updated to ensure correctness; 
‘‘(B) the last four digits of the account 
number of the original debt; 
‘‘(C) admissible documentary evidence of— 
‘‘(i) the written agreement, contract, 
or instrument creating the debt, if any, or 
other documents showing that the con-
sumer agreed to the agreement, contract, 
or instrument creating the debt; 
‘‘(ii) any terms and conditions rel-
evant to the debt; 
‘‘(iii) that the consumer incurred the 
debt and the amount owed; and 
‘‘(iv) that there is a chain of title of 
the ownership of debt and the right to col-
lect the debt, including documents showing 
the date of each transfer of ownership of 
the debt and the identity of each owner of 
the debt; and 
‘‘(D) a sworn affidavit stating— 
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‘‘(i) that the applicable statute of limi-
tations for collecting the debt has not ex-
pired and the date on which such statute 
of limitations expires; and 
‘‘(ii) that the debt collector personally 
reviewed all applicable records and docu-
ments relating to the debt to be collected.’’. 
TITLE 
X—TEMPORARY 
RELIEF 
FOR PRIVATE STUDENT LOAN 
BORROWERS 
SEC. 1001. TEMPORARY RELIEF FOR PRIVATE STUDENT 
LOAN BORROWERS. 
(a) IN GENERAL.—A servicer of a private education 
loan shall not report an adverse item of information relat-
ing to the nonpayment of a private education loan that 
occurred during the covered period. 
(b) CONSUMER REPORTING AGENCIES.—During the 
covered period, a consumer reporting agency— 
(1) may not make a consumer report containing 
adverse information relating to the nonpayment of a 
private education loan by a covered borrower; and 
(2) shall promptly remove, in a period of time 
as determined by the Director of the Consumer Fi-
nancial Protection Bureau, from a consumer report 
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any such adverse information reported during the 
covered period. 
(c) IMPLEMENTATION.—The Director of the Con-
sumer Financial Protection Bureau may issue guidance or 
rules to implement this section, including— 
(1) requiring any notifications and other re-
quirements that may be necessary to carry out this 
section; and 
(2) ensuring a covered borrower is aware of 
their rights under this section relating to the exclu-
sion or removal of any relevant adverse information 
the consumer report of the consumer. 
(d) EFFECTIVE DATE.—This section shall take effect 
30 days after the date of the enactment of this Act. 
(e) DEFINITIONS.—In this section: 
(1) COVERED BORROWER.—The term ‘‘covered 
borrower’’ means a borrower of a private education 
loan. 
(2) COVERED PERIOD.—The term ‘‘covered pe-
riod’’ means the period beginning on March 13, 
2020 (the date the President declared the emergency 
under section 501 of the Robert T. Stafford Disaster 
Relief and Emergency Assistance Act (42 U.S.C. 
4121 et seq.) relating to the Coronavirus Disease 
2019 (COVID–19) pandemic) and ending on the 
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date that is 30 days after the end of the incident pe-
riod for such emergency. 
(3) FAIR
CREDIT
REPORTING
ACT
DEFINI-
TIONS.—The terms ‘‘consumer report’’ and ‘‘con-
sumer reporting agency’’ have the meanings given, 
respectively, in section 603 of the Fair Credit Re-
porting Act (15 U.S.C. 1681a). 
(4) PRIVATE
EDUCATION
LOAN.—The term 
‘‘private education loan’’ has the meaning given the 
term in section 140 of the Truth in Lending Act (15 
U.S.C. 1650). 
TITLE XI—REPORTS 
SEC. 1101. REPORT ON COVID–19 PANDEMIC DEBT COLLEC-
TION PRACTICES. 
(a) IN GENERAL.—Not later than 6 months after the 
date of the enactment of this section, the Director of the 
Bureau of Consumer Financial Protection shall submit a 
report to Financial Services Committee of the House of 
Representatives and Banking Committee of the Senate 
that— 
(1) analyzes available data relating to consumer 
complaints about debt collection practices during the 
COVID–19 pandemic, including the collection of 
medical debt and the collection of debt from 
servicemembers; 
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(2) lists all enforcement actions taken by the 
Bureau during the COVID–19 pandemic that re-
lated to debt collection; and 
(3) describes how the Bureau will use regu-
latory, supervisory and enforcement tools to combat 
predatory debt collection practices identified during 
the COVID–19 pandemic. 
(b) ADDITIONAL REQUIRED INFORMATION.— 
(1) IN GENERAL.—The Director shall require 
each larger participant in the consumer debt collec-
tion market (as such term is defined in section 1090 
of title 12 of the Code of Federal Regulations to 
provide to the Director information about any de-
fault judgements pursued by such larger participant 
through litigation during the COVID–19 pandemic. 
(2) INCLUSION IN REPORT.—The Director shall 
compile all information received from larger partici-
pants under paragraph (1) and shall include such in-
formation in the report required under subsection 
(a). 
(c) DEFINITIONS.—In this section: 
(1) The term ‘‘Director’’ means the Director of 
the Bureau of Consumer Financial Protection. 
(2) The term ‘‘Bureau’’ means the Bureau of 
Consumer Financial Protection. 
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TITLE XII—FAIR DEBT COLLEC-
TION IMPROVEMENT ACT 
SEC. 1201. SHORT TITLE. 
This title may be cited as the ‘‘Fair Debt Collection 
Improvement Act’’. 
SEC. 1202. PROHIBITION ON COLLECTING TIME-BARRED 
DEBT. 
(a) IN GENERAL.—The Fair Debt Collection Prac-
tices Act (15 U.S.C. 1692 et seq.) is amended by inserting 
after section 811 the following: 
‘‘§ 811A. Prohibition on collecting time-barred debt 
‘‘A debt collector may not collect, or attempt to col-
lect, any debt of a consumer with respect to which the 
statute of limitations has expired.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
for the Fair Debt Collection Practices Act is amended by 
inserting after the item relating to section 811 the fol-
lowing: 
‘‘811A. Prohibition on collecting time-barred debt.’’. 
TITLE XIII—CONSUMER BILL OF 
RIGHTS 
SEC. 1301. CONSUMER BILL OF RIGHTS AGAINST ABUSIVE 
DEBT COLLECTION PRACTICES. 
(a) IN GENERAL.—The Director shall, in consulta-
tion with relevant stakeholders and experts that specialize 
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in consumer financial protection with respect to debt col-
lection practices, maintain a webpage on the website of 
the Bureau that outlines consumer rights, protections, and 
remedies with respect to debt collection practices. 
(b) ACCESSIBILITY.— 
(1) IN GENERAL.—The Director shall ensure 
that the webpage established pursuant to subsection 
(a) is easily accessible and understandable. 
(2) LANGUAGES.—The Director may, as deter-
mined appropriate by the Director, make the website 
available in languages other than English. 
(c) CONTENTS.—The website established pursuant to 
subsection (a) may include— 
(1) a description of acceptable and unacceptable 
practices that debt collectors may engage in while 
attempting to collect debt; and 
(2) know your rights information that— 
(A) outlines actions a consumer may take 
if they are experiencing abusive or inappro-
priate debt collection practices; 
(B) provides resources to take action to 
prevent or stop abusive or inappropriate debt 
collection practices; 
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(C) contact information and other available 
resources for a consumer to learn more to pre-
vent or stop such abusive practices; and 
(D) any other information the Bureau 
deems appropriate to better inform consumers 
of their rights with respect to debt collection 
practices. 
(d) DEFINITIONS.—In this section: 
(1) The term ‘‘Director’’ means the Director of 
the Bureau of Consumer Financial Protection. 
(2) The term ‘‘Bureau’’ means the Bureau of 
Consumer Financial Protection. 
TITLE XIV—REPORT ON EXPERI-
ENCES OF DELINQUENT BOR-
ROWERS OF PRIVATE EDU-
CATION LOANS 
SEC. 1401. REPORT ON EXPERIENCES OF DELINQUENT STU-
DENT LOAN BORROWERS. 
Not later than 18 months after the date of the enact-
ment of this Act, the Director of the Bureau of Consumer 
Financial Protection Bureau shall carry out a study and 
submit to Congress a report on the consumer experiences 
and financial impacts of debt collection practices on delin-
quent borrowers of private education loans (as defined in 
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section 140(a) of the Truth in Lending Act (15 U.S.C. 
1650(a)) and such report shall include an analysis of— 
(1) the frequency and nature of private student 
lenders challenging undue hardship bankruptcy peti-
tions made by borrowers of private education loans; 
and 
(2) whether private student lenders dispropor-
tionately challenge undue hardship petitions made 
by low-income or otherwise vulnerable borrowers of 
private education loans. 
TITLE XV—REPORTS 
SEC. 1501. REPORT ON USE OF ELECTRONIC AND TELE-
PHONE COMMUNICATIONS IN THE DEBT COL-
LECTION INDUSTRY. 
Not later than 12 months after the date of the enact-
ment of this section, the Comptroller General of the 
United States shall submit a report to the Committee on 
Financial Services of the House of Representatives and 
the Committee on Banking, Housing, and Urban Affairs 
of the Senate that— 
(1) analyzes trends and impacts associated with 
the use of electronic and telephone communications 
in the debt collection industry, including a study of 
the annoyance, abuse, and harassment of consumers 
by debt collectors, and methods for reducing the fre-
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quency of electronic and telephone communications 
by debt collectors to consumers; and 
(2) contains specific regulatory and legislative 
proposals to accomplish those goals. 
TITLE XVI—REPORTS 
SEC. 1601. REPORT ON DEBT COLLECTION PRACTICES AND 
RACIAL DISPARITIES. 
Not later than 18 months after the date of the enact-
ment of this section, the Director of the Bureau of Con-
sumer Financial Protection shall submit a report to the 
Financial Services Committee of the House of Representa-
tives and Banking Committee of the Senate that— 
(1) identifies and analyzes racial disparities re-
lating to debt collection practices; and 
(2) provides administrative and legislative rec-
ommendations to address such disparities. 
TITLE XVII—MISCELLANEOUS 
PROVISIONS 
SEC. 1701. DISCRETIONARY SURPLUS FUNDS. 
(a) IN
GENERAL.—The dollar amount specified 
under section 7(a)(3)(A) of the Federal Reserve Act (12 
U.S.C. 289(a)(3)(A)) is reduced by $2,900,000,000. 
(b) EFFECTIVE DATE.—The amendment made by 
subsection (a) shall take effect on September 30, 2031. 
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SEC. 1702. EFFECTIVE DATE. 
Except as otherwise provided in this Act, this Act and 
the amendments made by this Act shall take effect on the 
date that is 180 days after the date of enactment of this 
Act. 
TITLE XVIII—RELEASE OF CO-
SIGNERS ON PRIVATE STU-
DENT LOANS ON DEATH OF 
BORROWER 
SEC. 1801. SHORT TITLE. 
This title may be cited as the ‘‘Ryan Frascone Memo-
rial Student Loan Relief Act of 2021’’. 
SEC. 1802. APPLICABILITY OF CERTAIN AMENDMENTS TO 
THE TRUTH IN LENDING ACT. 
(a) IN GENERAL.—Effective on the date of enact-
ment of the Economic Growth, Regulatory Relief, and 
Consumer Protection Act (Public Law 115–174), section 
601(b) of such Act is amended to read as follows: 
‘‘(b) APPLICABILITY.—The amendments made by 
subsection (a) shall apply to private education loan agree-
ments entered into before, on, or after the date of enact-
ment of this Act.’’. 
(b) TREASURY LOAN PURCHASE PROGRAM.— 
(1) IN GENERAL.—The Secretary of the Treas-
ury shall establish a program under which the Sec-
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retary shall purchase and retire outstanding private 
education loans— 
(A) where the borrower on such loan is de-
ceased; 
(B) where there remains a cosigner on the 
loan; 
(C) that were entered into before the date 
that is 180 days after the date of enactment of 
the Economic Growth, Regulatory Relief, and 
Consumer Protection Act; and 
(D) only upon an application from a holder 
of such loan pursuant to paragraph (2) that 
demonstrates the holder has suffered financial 
injury as a result of the amendment made by 
subsection (a). 
(2) APPLICATION.—The holder of a loan de-
scribed under paragraph (1) may apply to the Sec-
retary of the Treasury to have the Secretary pur-
chase and retire such loan by submitting an applica-
tion in such form and manner as the Secretary may 
require. 
(3) AUTHORIZATION
OF
APPROPRIATION.— 
There is authorized to be appropriated to the Sec-
retary of the Treasury $5,000,000 to carry out this 
subsection. 
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(4) TRUTH IN LENDING ACT TERMS.—In this 
subsection, the terms ‘‘cosigner’’ and ‘‘private edu-
cation loan’’ have the meaning given those terms, re-
spectively, under section 140 of the Truth in Lend-
ing Act (15 U.S.C. 1650). 
(c) SEVERABILITY.—The provisions of this Act are 
severable. If any part of this Act is declared invalid or 
unconstitutional, that declaration shall not affect the part 
which remains. 
Passed the House of Representatives May 13, 2021. 
Attest: 
CHERYL L. JOHNSON, 
Clerk. 
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