,,ib ,union ,cal5d> ,no4 #edj #aaf?     
,,congress  #b;d ,session  ,h4 ,r4 #ejac
 ,report ,no4 #aaf-fef ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,novemb] #h1      
#bjai,mr4 ,lawson ( ,florida introduc$ !
 foll[+ bill2 :i* 0 ref]r$ to !         
,committee on ,f9ancial ,s]vices        
,decemb] #af1 #bjbj;,additional sponsor3
 ,mr4 ,cleav]  ,decemb] #af1            
#bjbj,report$ ) am5dm5ts1 committ$ to ! 
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union1 & ord]$ to be printed,strike  
out all aft] ! enact+ clause & ins]t !  
"p pr9t$ 9 italic,for text ( introduc$  
bill1 see copy ( bill z introduc$ on    
,novemb] #h1 #bjai  ,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$-- 7#a7 9 section #hjc--  
7,a7 by am5d+ p>agraph 7#e7 to read z   
foll[s3  7#e7 ,! t]m debt means any     
obligation or alleg$ obligation to pay  
money aris+ out ( a transaction1 :e!r or
 n su* obligation has be5 r$uc$ to      
judgm5t4  2 &  7,b7 by add+ at ! end !  
foll[+ new p>agraph3  7#i7 ,! t]m       
comm]cial cr$it bureau means any p]son  
:i*1 = monet>y fees1 dues1 or on a      
coop]ative nonpr(it basis1 regul>ly     
engages 9 :ole or 9 "p 9 ! practice (   
assembl+ or evaluat+ comm]cial cr$it    
in=mation or o!r in=mation on bus9esses 
= ! purpose ( furni%+ cr$it reports to  
?ird p>ties1 & :i* uses any means or    
facility ( int]/ate comm]ce = ! purpose 
( prep>+ or furni%+ cr$it reports4  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 bus9ess debt  7a7 
,9 g5]al ,?is ,act %all apply to small  
bus9ess debt to ! same ext5t z ?is ,act 
applies to debt ( consum]s4  7b7 ,small 
bus9ess debt def9$ ,! t]m small bus9ess 
debt-- 7#a7 means any non-equity        
obligation or alleg$ obligation ( a     
p>tn]%ip1 corporation1 tru/1 e/ate1     
coop]ative1 association1 gov]nm5t or    
gov]nm5tal subdivision or ag5cy1 or o!r 
entity t is less ?an #e1jjj1jjj2 &  7#b7
 does n include any obligation or alleg$
 obligation-- 7,a7 ( an individual2 or  
7,b7 t is prim>ily = p]sonal1 family1 or
 h\sehold purposes4  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 bus9ess debt4     
#hbj4 ,effective date4  4  7c7 ,con=m+  
am5dm5ts ,! ,fair ,debt ,collection     
,practices ,act 7#ae ,u4,s4,c4 #afib et 
seq47 is am5d$-- 7#a7 9 section         
#hje7;b71 by ins]t+ or a comm]cial cr$it

 bureau 7z applicable7 aft] consum]     
report+ ag5cy2  7#b7 9 section #hjf7c7--
 7,a7 by /rik+ consum]s :o & ins]t+     
consum]s or small bus9esses t2 &  7,b7  
by ins]t+ or to a comm]cial cr$it bureau
 7z applicable71 aft] consum] report+   
ag5cy2 &  7#c7 9 section #hjg7af71 by   
ins]t+ or a comm]cial cr$it bureau aft] 
?is ,act4  ,am5d ! title s z to read3 ,a
 bill to apply ! ,fair ,debt ,collection
 ,practices ,act to small bus9ess debt  
to ! same ext5t z su* ,act applies to   
consum]s1 & = o!r purposes44 ,decemb]   
#af1 #bjbj,report$ ) am5dm5ts1 committ$ 
to ! ,committee ( ! ,:ole ,h\se on !    
,/ate ( ! ,union1 & ord]$ to be pr9t$