#aafth ,,congress  #b;d ,session  ,h4   
,r4 #ejjc  ,,an ,,act  ,to amend the    
,fair ,debt ,collection ,practices ,act 
to provide enhanced protection against  
debt collector harassment of members of 
the ,armed ,forces1 and for other       
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,fair ,debt         
,collection ,practices for              
,servicemembers ,act4  #b4 ,enhanced    
protection against debt collector       
harassment of servicemembers  7a7       
,communication in connection with debt  
collection ,section #hje of the ,fair   
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib;c7 is amended by adding 
at the end the following3  7e7          
,communications concerning servicemember
 debts  7#a7 ,definition ,in this       
subsection1 the term covered member     
means-- 7,a7 a covered member or a      
dependent as defined in section #ihg7;i7
 of title #aj1 ,united ,states ,code2   
and  7,b7  7i7 an individual who was    
separated1 discharged1 or released from 

duty described in such section          
#ihg7;i77#a71 but only during the       
#cfe-;day period beginning on the date  
of separation1 discharge1 or release2 or
  7ii7 a person1 with respect to an     
individual described in clause 7i71     
described in subparagraph 7,a71 7,d71   
7,e71 or 7,i7 of section #ajgb7b7 of    
title #aj1 ,united ,states ,code4  7#b7 
,prohibitions ,a debt collector may not1
 in connection with the collection of   
any debt of a covered member-- 7,a7     
threaten to have the covered member     
reduced in rank2  7,b7 threaten to have 
the covered member's security clearance 
revoked2 or  7,c7 threaten to have the  
covered member prosecuted under chapter 
#dg of title #aj1 ,united ,states ,code 
7the ,uniform ,code of ,military        
,justice74  4  7b7 ,unfair practices    
,section #hjh of the ,fair ,debt        
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;f7 is amended by adding 
at the end the following3  7#i7 ,the    
representation to any covered member 7as

 defined under section #hje7;e77#a77    
that failure to cooperate with a debt   
collector will result in--  7,a7 a      
reduction in rank of the covered member2
  7,b7 a revocation of the covered      
member's security clearance2 or  7,c7   
prosecution under chapter #dg of title  
#aj1 ,united ,states ,code 7the ,uniform
 ,code of ,military ,justice74  4  #c4  
,,gao study ,the ,comptroller ,general  
of the ,united ,states shall conduct a  
study and submit a report to ,congress  
on the impact of this ,act on--  7#a7   
the timely delivery of information to a 
covered member 7as defined in section   
#hje7;e7 of the ,fair ,debt ,collection 
,practices ,act1 as added by this ,act72
  7#b7 military readiness2 and  7#c7    
national security1 including the extent 
to which covered members with security  
clearances would be impacted by         
uncollected debt4  #d4 ,determination of
 budgetary effects ,the budgetary       
effects of this ,act1 for the purpose of
 complying with the ,statutory          

,pay-,as-,you-,go ,act of #bjaj1 shall  
be determined by reference to the latest
 statement titled ,budgetary ,effects of
 ,,paygo ,legislation for this ,act1    
submitted for printing in the           
,congressional ,record by the ,chairman 
of the ,house ,budget ,committee1       
provided that such statement has been   
submitted prior to the vote on passage4 
,passed the ,house of ,representatives  
,march #b1 #bjbj4;,clerk4