,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #ejac  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,novemb] #h1 #bjai,mr4
 ,lawson ( ,florida introduc$ ! foll[+  
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to apply
 ! ,fair ,debt ,collection ,practices   
,act to small bus9esses to ! same ext5t 
z su* ,act applies to consum]s1 to      
require ! ,director ( ! ,bureau (       
,consum] ,f9ancial ,protection to def9e 
small bus9ess = purposes ( su* ,act1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,small ,bus9ess    
,fair ,debt ,collection ,protection     
,act4  #b4 ,fair debt collection        
practices = loans to small bus9esses    
7a7 ,9 g5]al ,! ,fair ,debt ,collection 
,practices ,act 7#ae ,u4,s4,c4 #afib et 
seq47 is am5d$--  7#a7 9 section #hjc1  
by am5d+ p>agraph 7#e7 to read z foll[s3
  7#e7 ,! t]m debt means any obligation 
or alleg$ obligation to pay money aris+ 
out ( a transaction1 :e!r or n su*      
obligation has be5 r$uc$ to judgm5t4  2 

7#b7 by r$esignat+ section #hai z       
section #hbj2 &  7#c7 by ins]t+ aft]    
section #hah ! foll[+3  #hai4           
,application to small bus9esses  7a7 ,9 
g5]al ,?is ,act %all apply to small     
bus9esses to ! same ext5t z ?is ,act    
applies to consum]s4  7b7 ,small bus9ess
 def9$ ,! ,director ( ! ,bureau1 9      
consultation ) ! ,adm9i/rator ( ! ,small
 ,bus9ess ,adm9i/ration1 %all issue a   
rule to def9e ! t]m small bus9ess =     
purposes ( ?is section4  4  7b7 ,cl]ical
 am5dm5t ,! table ( cont5ts = ! ,fair   
,debt ,collection ,practices ,act is    
am5d$ by /rik+ ! item relat+ to section 
#hai & ins]t+ ! foll[+3  #hai4          
,application to small bus9esses4 #hbj4  
,effective date4  4  7c7 ,prohibition on
 h>assm5t or abuse ,section #hjf7c7 ( ! 
,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib;d7 is am5d$-- 7#a7 
by /rik+ consum]s :o & ins]t+ consum]s  
or small bus9esses t2 &  7#b7 by ins]t+ 
1 to a comm]cial cr$it bureau1 aft]     
consum] report+ ag5cy4