Ending Debt Collection Harassment Act of 2019

Bill: 116-hr-5021
Sponsor: full_name: Rep. Pressley, Ayanna [D-MA-7]
Introduced: 2019-11-08
Policy area: Finance and Financial Sector
Subjects: Administrative law and regulatory procedures

Congressional oversight

Consumer Financial Protection Bureau

Consumer credit

Debt collection

Telephone and wireless communication
Latest action: action_date: 2020-03-19
text: Placed on the Union Calendar, Calendar No. 337.

Summaries:
action_date: 2019-11-08
action_desc: Introduced in House
text: <p><b>Ending Debt Collection Harassment Act of 2019</b></p> <p>This bill prohibits a debt collector from sending electronic communications to a consumer without the consumer's consent. The Consumer Financial Protection Bureau (CFPB) may not issue rules that allow a debt collector to send unlimited electronic communications. Additionally, the CFPB must report on consumer complaints about electronic communications and enforcement actions taken against debt collectors. </p>

action_date: 2020-03-19
action_desc: Reported to House
text: <p><b>Ending Debt Collection Harassment Act of 2019</b></p> <p>This bill prohibits a debt collector from sending electronic communications to a consumer without the consumer's consent. The Consumer Financial Protection Bureau (CFPB) may not issue rules that allow a debt collector to send unlimited electronic communications. Additionally, the CFPB must report on consumer complaints about electronic communications and enforcement actions taken against debt collectors. </p>

tv_txt: I 116th CONGRESS 1st Session H. R. 5021 IN THE HOUSE OF REPRESENTATIVES November 8, 2019 Ms. Pressley introduced the following bill; which was referred to the Committee on Financial Services 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.

1. Short title This Act may be cited as the Ending Debt Collection Harassment Act of 2019 . 2. 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 period 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 collection, including a State-by-State breakdown of such complaints; 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. 1692m(a) ) is amended by adding at the end the following new sentence: Each such report shall also include an analysis of the impact of electronic communications by debt collectors on consumer experiences 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 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, including 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. . (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) Limitations on debt collection rules Section 814(d) of the Fair Debt Collection Practices 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 unlimited electronic communications to a consumer; (2) shall require debt collectors to obtain consent 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 Electronic 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. .

tv_txt: IB Union Calendar No. 337 116th CONGRESS 2d Session H. R. 5021 [Report No. 116–418] 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. García 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 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.

1. Short title This Act may be cited as the Ending Debt Collection Harassment Act of 2019 . 2. 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 period 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 collection, including a State-by-State breakdown of such complaints; 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. 1692m(a) ) is amended by adding at the end the following new sentence: Each such report shall also include an analysis of the impact of electronic communications by debt collectors on consumer experiences 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 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, including 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. . (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 Practices 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 unlimited electronic communications to a consumer; (2) shall require debt collectors to obtain consent 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 Electronic 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. .

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