,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #ejba  ,,in ,,the ,,house ,,of  
,,representatives  ,november #h1        
#bjai,ms4 ,pressley introduced the      
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,consumer      
,financial ,protection ,act of #bjaj and
 the ,fair ,debt ,collection ,practices 
,act to improve consumer protections    
relating to debt collection practices1  
and for other purposes4  #a4 ,short     
title ,this ,act may be cited as the    
,ending ,debt ,collection ,harassment   
,act of #bjai4  #b4 ,consumer           
protections relating to debt collection 
practices  7a7 ,reports on debt         
collection complaints and enforcement   
actions  7#a7 ,semi-annual report       
,section #ajaf7;c7 of the ,consumer     
,financial ,protection ,act of #bjaj    
7#ab ,u4,s4,c4 #edif7;c77 is amended--  
7,a7 in paragraph 7#h71 by striking and 
at the end2  7,b7 in paragraph 7#i71 by 
striking the period at the end and      

inserting a semicolon2 and  7,c7 by     
adding at the end the following3  7#aj7 
an analysis of the consumer complaints  
received by the ,bureau with respect to 
debt collection1 including a            
,state-by-,state breakdown of such      
complaints2 and  7#aa7 a list of        
enforcement actions taken against debt  
collectors during the preceding year4  4
  7#b7 ,annual report ,section #hae7;a7 
of the ,fair ,debt ,collection          
,practices ,act 7#ae ,u4,s4,c4          
#afibm7a77 is amended by adding at the  
end the following new sentence3 ,each   
such report shall also include an       
analysis of the impact of electronic    
communications by debt collectors on    
consumer experiences with debt          
collection1 including a consideration of
 consumer complaints about the use of   
electronic communications in debt       
collection44  7b7 ,limitation on debt   
collection rules ,section #ajbb of the  
,consumer ,financial ,protection ,act of
 #bjaj 7#ab ,u4,s4,c4 #eeab7 is amended 

by adding at the end the following3  7e7
 ,limitation on debt collection rules   
,the ,director may not issue any rule   
with respect to debt collection that    
allows a debt collector to send         
unlimited email and text messages to a  
consumer4  4  7c7 ,protection of        
consumers from unlimited texts and      
emails used in debt collection ,section 
#hjf of the ,fair ,debt ,collection     
,practices ,act 7#ae ,u4,s4,c4 #afib;d7 
is amended by adding at the end the     
following new paragraph3  7#g7          
,contacting the consumer electronically1
 including by email or text message1    
without consent of the consumer1 after  
such consent has been withdrawn1 or more
 frequently than the consumer consents  
to be contacted4  4  7d7 ,ensuring      
consumers receive notice of debt        
collection protections ,section #hji7;a7
 of the ,fair ,debt ,collection         
,practices ,act 7#ae ,u4,s4,c4          
#afib;g7a77 is amended in the matter    
preceding paragraph 7#a7 by striking    

,within five days and all that follows  
through debt1 and inserting the         
following3 ,notice of debt2             
contents4--,within five days after the  
initial communication with a consumer in
 connection with the collection of any  
debt14  7e7 ,limitations on debt        
collection rules ,section #had7;d7 of   
the ,fair ,debt ,collection ,practices  
,act 7#ae ,u4,s4,c4 #afibl7d77 is       
amended by adding at the end the        
following3  ,such rules-- 7#a7 may not  
allow a debt collector to send unlimited
 electronic communications to a         
consumer2  7#b7 shall require debt      
collectors to obtain consent directly   
from consumers before contacting them   
using a method other than by postal mail
 or by phone2  7#c7 may not waive the   
requirements of the ,electronic         
,signatures in ,global and ,national    
,commerce ,act 7#ae ,u4,s4,c4 #gjja et  
seq472 and  7#d7 shall allow consumers  
to opt out of any method of             
communication that the debt collector   

uses to communicate with consumers1     
including a method for which such       
consumer had given prior consent4  4