Congress 117 - HR 2547 - Comprehensive Debt Collection Improvement Act

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Topics

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 Finance and Financial Sector 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

Full Text

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Votes

Summary

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.

Actions

May 17, 2021

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 13, 2021

Motion to reconsider laid on the table Agreed to without objection.
May 13, 2021

On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
May 13, 2021

Passed/agreed to in House: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
May 13, 2021

The previous question was ordered pursuant to the rule.
May 13, 2021

Motion to reconsider laid on the table. Agreed to without objection.
May 13, 2021

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.
May 13, 2021

DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 10 minutes of debate on the Wagner amendment No. 9.
May 13, 2021

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.
May 13, 2021

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.
May 13, 2021

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.
May 13, 2021

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.
May 13, 2021

DEBATE - The House proceeded with one hour of debate on H.R. 2547.
May 13, 2021

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.
May 13, 2021

Considered under the provisions of rule H. Res. 380. (consideration: CR H2276-2295; text: CR H2276-2279)
May 11, 2021

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.
Apr 30, 2021

Placed on the Union Calendar, Calendar No. 10.
Apr 30, 2021

Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
Apr 21, 2021

Ordered to be Reported (Amended) by the Yeas and Nays: 30 - 23.
Apr 21, 2021

Committee Consideration and Mark-up Session Held.
Apr 20, 2021

Committee Consideration and Mark-up Session Held.
Apr 15, 2021

Referred to the House Committee on Financial Services.
Apr 15, 2021

Introduced in House

Amendments

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