,i  #aacth ,,congress  #ast ,session    
,h4 ,r4 #cdjb  ,,in ,,the ,,house ,,of  
,,representatives  ,october #cj1 #bjac  
,mr4 ,cohen 7for himself1 ,mr4 ,conyers1
 ,ms4 ,norton1 and ,ms4 ,moore7         
introduced the following bill2 which was
 referred to the ,committee on          
,financial ,services  ,a ,,bill  ,to    
improve the ,fair ,debt ,collection     
,practices ,act by explicitly barring   
debt collectors from bringing legal     
action on a debt in which the statute of
 limitations has expired against any    
consumer1 and for other purposes4  #a4  
,short title ,this ,act may be cited as 
the ,fair ,debt ,collection ,improvement
 ,act4  #b4 ,collection of time-barred  
debt  7a7 ,legal actions on time-,barred
 debt ,section #haa of the ,fair ,debt  
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;i7 is amended by adding 
at the end the following3  7c7 ,a debt  
collector may not bring1 or threaten to 
bring1 legal action against any consumer
 on a debt in which the statute of      

limitations has expired4  4  7b7        
,communication with consumers with      
time-,barred debt ,section #hje of such 
,act 7#ae ,u4,s4,c4 #afib;c7 is         
amended--  7#a7 by redesignating        
subsection 7d7 as subsection 7e72 and   
7#b7 by inserting after subsection 7c7  
the following3  7d7 ,communication with 
consumers with time-,barred debt ,in    
connection with the collection of debt  
in which the statute of limitations has 
expired1 a debt collector shall disclose
 to a consumer the following3  7#a7 ,the
 debt has been transferred to the debt  
collector4  7#b7 ,the creditor no longer
 holds the debt4  7#c7 ,as a result of  
the expiration of the statute of        
limitations with respect to such debt1  
the debt collector may not bring legal  
action against the consumer to collect  
such debt4  7#d7 ,any payment by the    
consumer towards the debt may cause the 
statute of limitations for such debt to 
reset4  4