,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #cdjb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,octob] #cj1 #bjac    
,mr4 ,coh5 7= himself1 ,mr4 ,cony]s1    
,ms4 ,norton1 & ,ms4 ,moore7 introduc$ !
 foll[+ bill2 :i* 0 ref]r$ to !         
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to improve ! ,fair ,debt       
,collection ,practices ,act by          
explicitly b>r+ debt collectors f br++  
legal action on a debt 9 :i* ! /atute ( 
limitations has expir$ aga9/ any        
consum]1 & = o!r purposes4  #a4 ,%ort   
title ,?is ,act may be cit$ z ! ,fair   
,debt ,collection ,improvem5t ,act4  #b4
 ,collection ( "t-b>r$ debt  7a7 ,legal 
actions on "t-,b>r$ debt ,section #haa (
 ! ,fair ,debt ,collection ,practices   
,act 7#ae ,u4,s4,c4 #afib;i7 is am5d$ by
 add+ at ! end ! foll[+3  7c7 ,a debt   
collector may n br+1 or ?reat5 to br+1  
legal action aga9/ any consum] on a debt
 9 :i* ! /atute ( limitations has       
expir$4  4  7b7 ,communication )        
consum]s ) "t-,b>r$ debt ,section #hje (

 su* ,act 7#ae ,u4,s4,c4 #afib;c7 is    
am5d$--  7#a7 by r$esignat+ subsection  
7d7 z subsection 7e72 &  7#b7 by ins]t+ 
aft] subsection 7c7 ! foll[+3  7d7      
,communication ) consum]s ) "t-,b>r$    
debt ,9 connection ) ! collection ( debt
 9 :i* ! /atute ( limitations has       
expir$1 a debt collector %all disclose  
to a consum] ! foll[+3  7#a7 ,! debt has
 be5 transf]r$ to ! debt collector4     
7#b7 ,! cr$itor no long] holds ! debt4  
7#c7 ,z a result ( ! expiration ( !     
/atute ( limitations ) respect to su*   
debt1 ! debt collector may n br+ legal  
action aga9/ ! consum] to collect su*   
debt4  7#d7 ,any paym5t by ! consum]    
t[>ds ! debt may cause ! /atute (       
limitations = su* debt to reset4  4