,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cidh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #bd1 #bjai,mr4  
,meeks introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,debt ,collection ,practices ,act to    
ext5d ! provisions ( t ,act to cov] a   
debt collector :o is collect+ debt ow$  
to a ,/ate or local gov]nm5t1 to index  
aw>d am\nts "u su* ,act = inflation1 to 
provide = civil injunctive relief =     
violations ( su* ,act1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,debt ,collection ,practices        
,h>monization ,act4  #b4 ,prev5t+       
deceptive & h>ass+ practices :5 collect+
 debt ow$ to a ,/ate or local gov]nm5t  
,section #hjc7e7 ( ! ,fair ,debt        
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;a7#e77 is am5d$--  7#a7 
by /rik+ money aris+ out & ins]t+ !     
foll[+3 money-- 7,a7 aris+ out  2  7#b7 
by /rik+ judgm5t4 & ins]t+ judgm5t2 or2 
&  7#c7 by add+ at ! end ! foll[+3  7,b7

 ow$ to a ,/ate4  4  #c4 ,aw>d ( damages
  7a7 ,additional damages index$ =      
inflation  7#a7 ,9 g5]al ,section #hac (
 ! ,fair ,debt ,collection ,practices   
,act 7#ae ,u4,s4,c4 #afibk7 is am5d$ by 
add+ at ! end ! foll[+3  7f7 ,adju/m5t =
 inflation  7#a7 ,initial adju/m5t ,n   
lat] ?an #ij days aft] ! date ( !       
enactm5t ( ?is subsection1 ! ,bureau    
%all provide a p]c5tage increase 7r\nd$ 
to ! ne>e/ multiple ( #ajj or #a1jjj1 z 
applicable7 9 ! am\nts set =? 9 ?is     
section equal to ! p]c5tage by :i*--    
7,a7 ! ,consum] ,price ,index = ,all    
,urban ,consum]s 7all items1 ,unit$     
,/ates city av]age7 = ! #ab-mon? p]iod  
end+ on ! ,june #cj prec$+ ! date on :i*
 ! p]c5tage increase is provid$1 exce$s 
7,b7 ! ,consum] ,price ,index = !       
#ab-mon? p]iod prec$+ ,janu>y #a1 #aigh4
  7#b7 ,annual adju/m5ts ,) respect to  
any fiscal ye> beg9n+ aft] ! date ( !   
increase provid$ "u p>agraph 7#a71 !    
,bureau %all provide a p]c5tage increase
 7r\nd$ to ! ne>e/ multiple ( #ajj or   

#a1jjj1 z applicable7 9 ! am\nts set =? 
9 ?is section equal to ! p]c5tage by    
:i*--  7,a7 ! ,consum] ,price ,index =  
,all ,urban ,consum]s 7all items1 ,unit$
 ,/ates city av]age7 = ! #ab-mon? p]iod 
end+ on ! ,june #cj prec$+ ! beg9n+ ( ! 
fiscal ye> = :i* ! increase is made1    
exce$s  7,b7 ! ,consum] ,price ,index = 
! #ab-mon? p]iod prec$+ ! #ab-mon? p]iod
 describ$ 9 subp>agraph 7,a74  4  7#b7  
,applicability ,! increases made "u     
section #hac7;f7 ( ! ,fair ,debt        
,collection ,practices ,act1 z add$ by  
p>agraph 7#a7 ( ?is subsection1 %all    
apply ) respect to failures to comply ) 
a provision ( su* ,act 7#ae ,u4,s4,c4   
#afja et seq47 occurr+ on or aft] ! date
 ( enactm5t ( ?is ,act4  7b7 ,injunctive
 relief ,section #hac7;d7 ( ! ,fair     
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afibk7d77 is am5d$ by add+ at
 ! end ! foll[+3 ,9 a civil action      
alleg+ a violation ( ?is title1 ! c\rt  
may aw>d appropriate relief1 includ+    
injunctive relief44  #d4 ,prohibition on

 ! ref]ral ( em]g5cy individual         
assi/ance debt ,*apt] #c ( title #ca1   
,unit$ ,/ates ,code1 is am5d$-- 7#a7 9  
sub*apt] ,,ii1 by add+ at ! end !       
foll[+3  #ccd4 ,prohibition on ! ref]ral
 ( em]g5cy individual assi/ance debt ,) 
respect to any assi/ance provid$ by !   
,f$]al ,em]g5cy ,managem5t ,ag5cy to an 
individual or h\sehold pursuant to !    
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eabb et seq471 if ! ,secret>y ( !      
,treasury seeks to rec\p any am\nt ( su*
 assi/ance because ( an ov]paym5t1 !    
,secret>y may n contract ) any debt     
collector or o!r private p>ty to collect
 su* am\nts4  2 &  7#b7 9 ! table (     
cont5ts = su* *apt]1 by ins]t+ aft] !   
item relat+ to section #ccc ! foll[+3   
#ccd4 ,prohibition on ! ref]ral (       
em]g5cy individual assi/ance debt4  4