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116TH CONGRESS
1ST SESSION H. R. 4664
To amend the Consumer Financial Protection Act of 2010 to require the
Director of the Bureau of Consumer Financial Protection to issue a
quarterly report on debt collection complaints and enforcement actions,
and to prohibit rules that would allow a debt collector to send unlimited
email and text messages to a consumer.
IN THE HOUSE OF REPRESENTATIVES
OCTOBER 11, 2019
Ms. PRESSLEY introduced the following bill; which was referred to the
Committee on Financial Services
A BILL
To amend the Consumer Financial Protection Act of 2010
to require the Director of the Bureau of Consumer Fi-
nancial Protection to issue a quarterly report on debt
collection complaints and enforcement actions, and to
prohibit rules that would allow a debt collector to send
unlimited email and text messages to a consumer.
Be it enacted by the Senate and House of Representa-
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tives of the United States of America in Congress assembled,
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SECTION 1. SHORT TITLE.
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This Act may be cited as the ‘‘Monitoring and Curb-
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ing Abusive Debt Collection Practices Act’’.
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•HR 4664 IH
SEC. 2. DEBT COLLECTION.
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(a) REPORT
ON DEBT COLLECTION COMPLAINTS
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AND ENFORCEMENT ACTIONS.—Section 1016 of the Con-
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sumer Financial Protection Act of 2010 (12 U.S.C. 5496)
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is amended by adding at the end the following:
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‘‘(d) REPORT ON DEBT COLLECTION COMPLAINTS
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AND ENFORCEMENT ACTIONS.—The Director shall issue
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a quarterly report to Congress containing—
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‘‘(1) an analysis of the consumer complaints re-
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ceived by the Bureau with respect to debt collection,
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including a State-by-State breakdown of such com-
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plaints; and
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‘‘(2) a list of enforcement actions taken against
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debt collectors during the previous 12 months.’’.
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(b) LIMITATION ON DEBT COLLECTION RULES.—
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Section 1022 of the Consumer Financial Protection Act
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of 2010 (12 U.S.C. 5512) is amended by adding at the
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end the following:
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‘‘(e) LIMITATION ON DEBT COLLECTION RULES.—
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The Director may not issue any rule with respect to debt
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collection that allows a debt collector to send unlimited
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email and text messages to a consumer.’’.
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