IB 
Union Calendar No. 337 
116TH CONGRESS 
2D SESSION 
H. R. 5021 
[Report No. 116–418] 
To amend the Consumer Financial Protection Act of 2010 and the Fair 
Debt Collection Practices Act to improve consumer protections relating 
to debt collection practices, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
NOVEMBER 8, 2019 
Ms. PRESSLEY introduced the following bill; which was referred to the 
Committee on Financial Services 
MARCH 19, 2020 
Additional sponsors: Mr. CLEAVER, Mr. MEEKS, Mr. GARCI´A of Illinois, Ms. 
OCASIO-CORTEZ, Ms. TLAIB, Ms. ADAMS, Mr. LYNCH, and Mr. FOSTER 
MARCH 19, 2020 
Reported with an amendment; committed to the Committee of the Whole 
House on the State of the Union and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on November 8, 2019] 
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A BILL 
To amend the Consumer Financial Protection Act of 2010 
and the Fair Debt Collection Practices Act to improve 
consumer protections relating to debt collection practices, 
and for other purposes. 
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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 ‘‘Ending Debt Collection 
Harassment Act of 2019’’. 
SEC. 2. CONSUMER PROTECTIONS RELATING TO DEBT COL-
LECTION 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 period 
at the end and inserting a semicolon; and 
(C) by adding at the end the following: 
‘‘(10) an analysis of the consumer complaints re-
ceived by the Bureau with respect to debt collection, 
including a State-by-State breakdown of such com-
plaints; and 
‘‘(11) 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. 
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1692m(a)) is amended by adding at the end the fol-
lowing new sentence: ‘‘Each such report shall also in-
clude an analysis of the impact of electronic commu-
nications by debt collectors on consumer experiences 
with debt collection, including a consideration of con-
sumer complaints about the use of electronic commu-
nications in debt collection.’’. 
(b) LIMITATION ON DEBT COLLECTION RULES.—Sec-
tion 1022 of the Consumer Financial Protection Act of 2010 
(12 U.S.C. 5512) is amended by adding at the end the fol-
lowing: 
‘‘(e) LIMITATION ON DEBT COLLECTION RULES.—The 
Director may not issue any rule with respect to debt collec-
tion that allows a debt collector to send unlimited email 
and text messages to a consumer.’’. 
(c) PROTECTION OF CONSUMERS FROM UNLIMITED 
TEXTS AND EMAILS USED IN DEBT COLLECTION.—Section 
806 of the Fair Debt Collection Practices Act (15 U.S.C. 
1692d) is amended by adding at the end the following new 
paragraph: 
‘‘(7) Contacting the consumer electronically, in-
cluding by email or text message, without consent of 
the consumer, after such consent has been withdrawn, 
or more frequently than the consumer consents to be 
contacted.’’. 
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(d) ENSURING CONSUMERS RECEIVE NOTICE OF DEBT 
COLLECTION PROTECTIONS.—Section 809(a) of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692g(a)) is 
amended in the matter preceding paragraph (1) by striking 
‘‘Within five days’’ and all that follows through ‘‘debt,’’ and 
inserting the following: ‘‘NOTICE OF DEBT; CONTENTS.— 
Within five days after the initial communication with a 
consumer in connection with the collection of any debt,’’. 
(e) 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 
phone; 
‘‘(3) may not waive the requirements of the Elec-
tronic Signatures in Global and National Commerce 
Act (15 U.S.C. 7001 et seq.); and 
‘‘(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.’’. 
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Union Calendar No. 337 
116TH CONGRESS 
2D SESSION 
H. R. 5021 
[Report No. 116–418] 
A BILL 
To amend the Consumer Financial Protection Act 
of 2010 and the Fair Debt Collection Practices 
Act to improve consumer protections relating to 
debt collection practices, and for other purposes. 
MARCH 19, 2020 
Reported with an amendment; committed to the Com-
mittee of the Whole House on the State of the Union 
and ordered to be printed 
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