Referred to the House Committee on Financial Services.
This bill adds a new Section 811A to the Fair Debt Collection Practices Act that would bar a debt collector from collecting or attempting to collect any consumer debt for which the governing statute of limitations has expired. The amendment inserts a single, explicit prohibition and updates the FDCPA table of contents accordingly.
Liberals emphasize consumer protection and harassment reduction.
Relative to its intended legislative type, this bill plainly and narrowly amends the Fair Debt Collection Practices Act to prohibit collection or attempted collection of debts for which the governing statute of limitations has expired.
This bill adds a new Section 811A to the Fair Debt Collection Practices Act that would bar a debt collector from collecting or attempting to collect any consumer debt for which the governing statute of limitations has expired.
The amendment inserts a single, explicit prohibition and updates the FDCPA table of contents accordingly.
The text does not redefine “debt collector” or otherwise change other FDCPA provisions.
Content is narrow and low-cost which helps, but creditor industry resistance and Senate procedural barriers reduce overall odds.
Relative to its intended legislative type, this bill plainly and narrowly amends the Fair Debt Collection Practices Act to prohibit collection or attempted collection of debts for which the governing statute of limitations has expired. The core prohibition is stated directly and concisely, but the text relies on the preexisting FDCPA framework without adding clarifying definitions, exceptions, transitional rules, or fiscal/administrative guidance.
Liberals emphasize consumer protection and harassment reduction.
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberals emphasize consumer protection and harassment reduction.
Likely supportive because it strengthens consumer protections against harassment over stale debts.
It clarifies that time-barred obligations cannot be pursued by third-party collectors, reducing consumer confusion and pressure to pay expired debts.
Cautious support is likely if the bill is narrowly implemented and avoids large unintended costs.
The concept is straightforward, but practical issues about definitions, state law interactions, and enforcement details need clarification.
Likely skeptical: sees a new federal restriction on debt collection that could interfere with creditor rights and private contract enforcement.
Concerned about cost-shifting to consumers and limits on market-based debt recovery.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Content is narrow and low-cost which helps, but creditor industry resistance and Senate procedural barriers reduce overall odds.
The bill has not accumulated any surfaced votes yet.
Liberals emphasize consumer protection and harassment reduction.
Content is narrow and low-cost which helps, but creditor industry resistance and Senate procedural barriers reduce overall odds.
Relative to its intended legislative type, this bill plainly and narrowly amends the Fair Debt Collection Practices Act to prohibit collection or attempted collection of debts for which the governing statute of limitati…
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