The legislature's own summary of the bill, or its official long title.
Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of…
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Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of coerced debt; affirmative defenses in collection actions or arbitration; civil liability; protections from perpetrators of coerced debt; restrictions on waivers; and liability of collection agencies for violations of the Act. Provides that, upon receiving the debtor's complete statement of coerced debt and specified supporting information, a collection agency shall review and consider all the information received from the debtor as well as any other information available in the collection agency's file or from the creditor related to the alleged coerced debt within 90 days after receipt of the statement of coerced debt. Requires a collection agency, within 5 days after receipt of the complete statement of coerced debt and supporting information, to cease any pre-judgment attempts to collect the coerced debt from the debtor, including refraining from filing any lawsuit or arbitration to collect the coerced debt, and notify any consumer reporting agency to which the collection agency or creditor furnished adverse information about the debtor that the debtor disputes the adverse information. Establishes additional requirements for a collection agency that reviews a statement of coerced debt. Provides that, within 180 days after the effective date of the Act, the Department of Financial and Professional Regulation may design and publish a model coerced debt and third party written verification form in English and any other language it determines, within its discretion, is the first language of a significant number of consumers in the State. Makes other changes.
Every action
61 steps, oldest first, as the legislature records them.
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HouseFiled with the Clerk by Rep. Kelly M. Cassidy
HouseAdded Chief Co-Sponsor Rep. Nabeela Syed
HouseAdded Chief Co-Sponsor Rep. Bradley Fritts
HouseRemove Chief Co-Sponsor Rep. Bradley Fritts
HouseFirst Reading
CommitteeReferred to Rules Committee · House Rules
HouseAdded Co-Sponsor Rep. Dagmara Avelar
HouseAdded Co-Sponsor Rep. Joyce Mason
HouseAdded Co-Sponsor Rep. Kevin John Olickal
HouseAdded Co-Sponsor Rep. Maura Hirschauer
HouseAdded Co-Sponsor Rep. Stephanie A. Kifowit
HouseAdded Co-Sponsor Rep. Jennifer Gong-Gershowitz
HouseAdded Co-Sponsor Rep. Jehan Gordon-Booth
HouseAdded Co-Sponsor Rep. Justin Slaughter
CommitteeAssigned to Judiciary - Civil Committee · House Judiciary - Civil
CommitteeDo Pass / Short Debate Judiciary - Civil Committee; 013-007-000 · House Judiciary - Civil
HousePlaced on Calendar 2nd Reading - Short Debate
HouseSecond Reading - Short Debate
HouseHeld on Calendar Order of Second Reading - Short Debate
HouseHouse Floor Amendment No. 1 Filed with Clerk by Rep. Kelly M. Cassidy
CommitteeHouse Floor Amendment No. 1 Referred to Rules Committee · House Rules
CommitteeHouse Floor Amendment No. 1 Rules Refers to Judiciary - Civil Committee · House Judiciary - Civil
HouseAdded Co-Sponsor Rep. Diane Blair-Sherlock
CommitteeHouse Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee; 020-000-000 · House Judiciary - Civil
HouseAdded Co-Sponsor Rep. Theresa Mah
HouseAdded Co-Sponsor Rep. Camille Y. Lilly
HouseHouse Floor Amendment No. 1 Adopted
HousePlaced on Calendar Order of 3rd Reading - Short Debate
HouseThird Reading - Short Debate - Passed 089-023-000
HouseAdded Co-Sponsor Rep. Nicolle Grasse
HouseAdded Co-Sponsor Rep. Rita Mayfield
HouseAdded Co-Sponsor Rep. Hoan Huynh
SenateArrive in Senate
SenatePlaced on Calendar Order of First Reading
SenateChief Senate Sponsor Sen. Kimberly A. Lightford
SenateFirst Reading
CommitteeReferred to Assignments · Senate Assignments
HouseAdded Co-Sponsor Rep. Amy Briel
CommitteeAssigned to Financial Institutions · Senate Financial Institutions
SenateAdded as Alternate Chief Co-Sponsor Sen. Robert Peters
SenateAdded as Alternate Co-Sponsor Sen. Rachel Ventura
