Fair Debt Collection Improvement Act

I 117TH CONGRESS 1ST SESSION H. R. 2135 To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. IN THE HOUSE OF REPRESENTATIVES MARCH 23, 2021 Mr. COHEN (for himself, Ms. BONAMICI, and Ms. OCASIO-CORTEZ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. Be it enacted by the Senate and House of Representa- 1 tives of the United States of America in Congress assembled, 2 SECTION 1. SHORT TITLE. 3 This Act may be cited as the ‘‘Fair Debt Collection 4 Improvement Act’’. 5 VerDate Sep 11 2014 01:03 May 20, 2021 Jkt 019200 PO 00000 Frm 00001 Fmt 6652 Sfmt 6201 E:\BILLS\H2135.IH H2135 kjohnson on DSK79L0C42PROD with BILLS 2 •HR 2135 IH SEC. 2. PROHIBITION ON COLLECTING TIME-BARRED DEBT. 1 (a) IN GENERAL.—The Fair Debt Collection Prac- 2 tices Act (15 U.S.C. 1692 et seq.) is amended by inserting 3 after section 811 the following: 4 ‘‘§ 811A. Prohibition on collecting time-barred debt 5 ‘‘A debt collector may not collect, or attempt to col- 6 lect, any debt of a consumer with respect to which the 7 statute of limitations has expired.’’. 8 (b) CLERICAL AMENDMENT.—The table of contents 9 for the Fair Debt Collection Practices Act is amended by 10 inserting after the item relating to section 811 the fol- 11 lowing: 12 ‘‘811A. Prohibition on collecting time-barred debt.’’. Æ VerDate Sep 11 2014 01:03 May 20, 2021 Jkt 019200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6301 E:\BILLS\H2135.IH H2135 kjohnson on DSK79L0C42PROD with BILLS