Comprehensive Debt Collection Improvement Act

Bill: 117-hr-2547
Sponsor: Rep. Waters, Maxine [D-CA-43]
Introduced: 2021-04-15 in the House
Policy area: Finance and Financial Sector
Subjects: Bankruptcy
Business ethics
Cardiovascular and respiratory health
Civil actions and liability
Congressional oversight
Consumer credit
Debt collection
Disaster relief and insurance
Education of the disadvantaged
Emergency medical services and trauma care
Federal Reserve System
Government Accountability Office (GAO)
Government information and archives
Government lending and loan guarantees
Government studies and investigations
Health care costs and insurance
Health care coverage and access
Health information and medical records
Higher education
Infectious and parasitic diseases
Inflation and prices
Internet and video services
Internet, web applications, social media
Military personnel and dependents
Public contracts and procurement
Racial and ethnic relations
State and local government operations
Student aid and college costs
Telephone and wireless communication
User charges and fees

Summary:
action_date: 2021-04-15
text: 

Comprehensive Debt Collection Improvement Act 

 
This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities. 
 
Regarding additional consumer protections, the bill 
 
 
expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability;
 
prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and 
 
applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures.
 
 
It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default.
 
Additionally, the bill restricts debt collectors and debt collection practices by 
 
 
prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action, and
 
limiting a debt collector's electronic communications with a debtor without the debtor's permission.
 

action_date: 2021-04-30
text: 

Comprehensive Debt Collection Improvement Act 

 
This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities. 
 
Regarding additional consumer protections, the bill 
 
 
expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability;
 
prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and 
 
applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures.
 
 
It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default.
 
Additionally, the bill restricts debt collectors and debt collection practices by 
 
 
prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action, and
 
limiting a debt collector's electronic communications with a debtor without the debtor's permission.
 

action_date: 2021-05-13
text: 

Comprehensive Debt Collection Improvement Act 

 
This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities. 
 
Regarding additional consumer protections, the bill 
 
 
expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability;
 
prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and 
 
applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures.
 
 
It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default.
 
Additionally, the bill restricts debt collectors and debt collection practices by 
 
 
prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action, 
 
limiting a debt collector's electronic communications with a debtor without the debtor's permission, and
 
requiring a debt collector to provide advance notice to a consumer of the intent to take legal action to collect a debt.
 
 
The Government Accountability Office must report on the impact of debt collection on service members and on the use of debt collectors by federal and state agencies.


Legislative actions:
action_date: 2021-05-17
text: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
action_date: 2021-05-13
text: Motion to reconsider laid on the table Agreed to without objection.
action_date: 2021-05-13
text: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
action_date: 2021-05-13
text: Passed/agreed to in House: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
action_date: 2021-05-13
text: The previous question was ordered pursuant to the rule.
action_date: 2021-05-13
text: Motion to reconsider laid on the table. Agreed to without objection.
action_date: 2021-05-13
text: Motion to reconsider laid on the table. Agreed to without objection.
action_date: 2021-05-13
text: Motion to reconsider laid on the table. Agreed to without objection.
action_date: 2021-05-13
text: POSTPONED PROCEEDINGS - At the conclusion of debate on the Wagner amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
action_date: 2021-05-13
text: DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 10 minutes of debate on the Wagner amendment No. 9.
action_date: 2021-05-13
text: POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 2, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
action_date: 2021-05-13
text: DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 2.
action_date: 2021-05-13
text: POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 1, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
action_date: 2021-05-13
text: DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 1.
action_date: 2021-05-13
text: DEBATE - The House proceeded with one hour of debate on H.R. 2547.
action_date: 2021-05-13
text: Rule provides for consideration of H.R. 2547 and H.R. 1065. Measure will be considered read. Specified amendments are in order. The previous question on each measure is considered ordered without intervening motions except one hour of debate and a motion to recommit. H. Res. 379 is adopted.
action_date: 2021-05-13
text: Considered under the provisions of rule H. Res. 380. (consideration: CR H2276-2295; text: CR H2276-2279)
action_date: 2021-05-11
text: Rules Committee Resolution H. Res. 380 Reported to House. Rule provides for consideration of H.R. 2547 and H.R. 1065. Measure will be considered read. Specified amendments are in order. The previous question on each measure is considered ordered without intervening motions except one hour of debate and a motion to recommit. H. Res. 379 is adopted.
action_date: 2021-04-30
text: Placed on the Union Calendar, Calendar No. 10.
action_date: 2021-04-30
text: Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
action_date: 2021-04-30
text: Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
action_date: 2021-04-21
text: Ordered to be Reported (Amended) by the Yeas and Nays: 30 - 23.
action_date: 2021-04-21
text: Committee Consideration and Mark-up Session Held.
action_date: 2021-04-20
text: Committee Consideration and Mark-up Session Held.
action_date: 2021-04-15
text: Referred to the House Committee on Financial Services.
action_date: 2021-04-15
text: Introduced in House
action_date: 2021-04-15
text: Introduced in House