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Bill117th CongressFiled Apr 15, 2021Finance and Financial Sector
H.R. 2547

Comprehensive Debt Collection Improvement Act

Bill journey · stage 2 of 5

Under committee review

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What it doesSummary passed house (May 13, 2021)

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.

What just happenedMay 17, 2021

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

Who’s behind it

Rep. Waters, Maxine [D-CA-43](D-CA)Sponsor
7 cosponsors7 D
Read on Congress.gov
7cosponsors2committees27actions4amendments12related bills30subjects
  1. May 17, 2021IntroReferral

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

    Banking, Housing, and Urban Affairs Committee
  2. May 13, 2021FloorH38310

    Motion to reconsider laid on the table Agreed to without objection.

  3. May 13, 2021FloorH37100

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

  4. May 13, 2021Floor8000

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

  5. May 13, 2021FloorH35000

    The previous question was ordered pursuant to the rule.

  6. May 13, 2021FloorH8D000

    Motion to reconsider laid on the table. Agreed to without objection.

  7. May 13, 2021FloorH8D000

    Motion to reconsider laid on the table. Agreed to without objection.

  8. May 13, 2021FloorH8D000

    Motion to reconsider laid on the table. Agreed to without objection.

  9. May 13, 2021FloorH8D000

    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.

  10. May 13, 2021FloorH8D000

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

  11. May 13, 2021FloorH8D000

    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.

  12. May 13, 2021FloorH8D000

    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.

  13. May 13, 2021FloorH8D000

    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.

  14. May 13, 2021FloorH8D000

    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.

  15. May 13, 2021FloorH8D000

    DEBATE - The House proceeded with one hour of debate on H.R. 2547.

  16. May 13, 2021FloorH8D000

    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.

  17. May 13, 2021FloorH30000

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

  18. May 11, 2021FloorH1L210

    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.

  19. Apr 30, 2021CalendarsH12410

    Placed on the Union Calendar, Calendar No. 10.

  20. Apr 30, 2021CommitteeH12200

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

    Financial Services Committee
  21. Apr 30, 2021Committee5000

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

    Financial Services Committee
  22. Apr 21, 2021Committee

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

    Financial Services Committee
  23. Apr 21, 2021Committee

    Committee Consideration and Mark-up Session Held.

    Financial Services Committee
  24. Apr 20, 2021Committee

    Committee Consideration and Mark-up Session Held.

    Financial Services Committee
  25. Apr 15, 2021IntroReferralH11100

    Referred to the House Committee on Financial Services.

    Financial Services Committee
  26. Apr 15, 2021IntroReferralIntro-H

    Introduced in House

  27. Apr 15, 2021IntroReferral1000

    Introduced in House

Passed HouseMay 13, 202153

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.

Reported to HouseApr 30, 20217

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.
Introduced in HouseApr 15, 2021

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.
Comprehensive Debt Collection Improvement Act — Informed