,,ib ,union ,calendar ,no4 #edj #aafth  
,,congress  #b;d ,session  ,h4 ,r4 #ejac
 ,report ,no4 #aaf-fef ,,in ,,the       
,,house ,,of ,,representatives          
,november #h1 #bjai,mr4 ,lawson of      
,florida introduced the following bill2 
which was referred to the ,committee on 
,financial ,services  ,december #af1    
#bjbj;,additional sponsor3 ,mr4 ,cleaver
  ,december #af1 #bjbj,reported with    
amendments1 committed to the ,committee 
of the ,whole ,house on the ,state of   
the ,union1 and ordered to be           
printed,strike out all after the        
enacting clause and insert the part     
printed in italic,for text of introduced
 bill1 see copy of bill as introduced on
 ,november #h1 #bjai  ,a ,,bill  ,to    
apply the ,fair ,debt ,collection       
,practices ,act to small businesses to  
the same extent as such ,act applies to 
consumers1 to require the ,director of  
the ,bureau of ,consumer ,financial     
,protection to define small business for
 purposes of such ,act1 and for other   

purposes4  #a4 ,short title ,this ,act  
may be cited as the ,small ,business    
,fair ,debt ,collection ,protection     
,act4  #b4 ,fair debt collection        
practices for loans to small businesses 
7a7 ,in general ,the ,fair ,debt        
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib et seq47 is amended--   
7#a7 in section #hjc-- 7,a7 by amending 
paragraph 7#e7 to read as follows3  7#e7
 ,the term debt means any obligation or 
alleged obligation to pay money arising 
out of a transaction1 whether or not    
such obligation has been reduced to     
judgment4  2 and  7,b7 by adding at the 
end the following new paragraph3  7#i7  
,the term commercial credit bureau means
 any person which1 for monetary fees1   
dues1 or on a cooperative nonprofit     
basis1 regularly engages in whole or in 
part in the practice of assembling or   
evaluating commercial credit information
 or other information on businesses for 
the purpose of furnishing credit reports
 to third parties1 and which uses any   

means or facility of interstate commerce
 for the purpose of preparing or        
furnishing credit reports4  2  7#b7 by  
redesignating section #hai as section   
#hbj2 and  7#c7 by inserting after      
section #hah the following3  #hai4      
,application to small business debt  7a7
 ,in general ,this ,act shall apply to  
small business debt to the same extent  
as this ,act applies to debt of         
consumers4  7b7 ,small business debt    
defined ,the term small business debt-- 
7#a7 means any non-equity obligation or 
alleged obligation of a partnership1    
corporation1 trust1 estate1 cooperative1
 association1 government or governmental
 subdivision or agency1 or other entity 
that is less than #e1jjj1jjj2 and  7#b7 
does not include any obligation or      
alleged obligation-- 7,a7 of an         
individual2 or  7,b7 that is primarily  
for personal1 family1 or household      
purposes4  4  7b7 ,clerical amendment   
,the table of contents for the ,fair    
,debt ,collection ,practices ,act is    

amended by striking the item relating to
 section #hai and inserting the         
following3  #hai4 ,application to small 
business debt4 #hbj4 ,effective date4  4
  7c7 ,conforming amendments ,the ,fair 
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib et seq47 is amended--   
7#a7 in section #hje7;b71 by inserting  
or a commercial credit bureau 7as       
applicable7 after consumer reporting    
agency2  7#b7 in section #hjf7c7-- 7,a7 
by striking consumers who and inserting 
consumers or small businesses that2 and 
7,b7 by inserting or to a commercial    
credit bureau 7as applicable71 after    
consumer reporting agency2 and  7#c7 in 
section #hjg7af71 by inserting or a     
commercial credit bureau after this     
,act4  ,amend the title so as to read3  
,a bill to apply the ,fair ,debt        
,collection ,practices ,act to small    
business debt to the same extent as such
 ,act applies to consumers1 and for     
other purposes44 ,december #af1         
#bjbj,reported with amendments1         

committed to the ,committee of the      
,whole ,house on the ,state of the      
,union1 and ordered to be printed