,,ib ,union ,cal5d> ,no4 #ccg #aaf?     
,,congress  #b;d ,session  ,h4 ,r4 #ejba
 ,report ,no4 #aaf-dah ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,novemb] #h1      
#bjai,ms4 ,pressley introduc$ ! foll[+  
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,m>* #ai1           
#bjbj;,additional sponsors3 ,mr4        
,cleav]1 ,mr4 ,meeks1 ,mr4 ,g>ca (      
,ill9ois1 ,ms4 ,ocasio-,cortez1 ,ms4    
,tlaib1 ,ms4 ,adams1 ,mr4 ,lyn*1 & ,mr4 
,fo/]  ,m>* #ai1 #bjbj,report$ ) an     
am5dm5t2 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union &     
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 am5d ! ,consum]   
,f9ancial ,protection ,act ( #bjaj & !  
,fair ,debt ,collection ,practices ,act 
to improve consum] protections relat+ to
 debt collection practices1 & = o!r     
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,end+ ,debt ,collection    

,h>assm5t ,act ( #bjai4  #b4 ,consum]   
protections relat+ to debt collection   
practices  7a7 ,reports on debt         
collection compla9ts & en=cem5t actions 
7#a7 ,semi-annual report ,section       
#ajaf7;c7 ( ! ,consum] ,f9ancial        
,protection ,act ( #bjaj 7#ab ,u4,s4,c4 
#edif7;c77 is am5d$-- 7,a7 9 p>agraph   
7#h71 by /rik+ & at ! end2  7,b7 9      
p>agraph 7#i71 by /rik+ ! p]iod at ! end
 & ins]t+ a semicolon2 &  7,c7 by add+  
at ! end ! foll[+3  7#aj7 an analysis ( 
! consum] compla9ts receiv$ by ! ,bureau
 ) respect to debt collection1 includ+ a
 ,/ate-by-,/ate breakd[n ( su*          
compla9ts2 &  7#aa7 a li/ ( en=cem5t    
actions tak5 aga9/ debt collectors dur+ 
! prec$+ ye>4  4  7#b7 ,annual report   
,section #hae7;a7 ( ! ,fair ,debt       
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afibm7a77 is am5d$ by add+ at
 ! end ! foll[+ new s5t5ce3 ,ea* su*    
report %all also include an analysis ( !
 impact ( electronic communications by  
debt collectors on consum] exp]i5ces )  

debt collection1 includ+ a consid]ation 
( consum] compla9ts ab\t ! use (        
electronic communications 9 debt        
collection44  7b7 ,limitation on debt   
collection rules ,section #ajbb ( !     
,consum] ,f9ancial ,protection ,act (   
#bjaj 7#ab ,u4,s4,c4 #eeab7 is am5d$ by 
add+ at ! end ! foll[+3  7e7 ,limitation
 on debt collection rules ,! ,director  
may n issue any rule ) respect to debt  
collection t all[s a debt collector to  
s5d unlimit$ email & text messages to a 
consum]4  4  7c7 ,protection ( consum]s 
f unlimit$ texts & emails us$ 9 debt    
collection ,section #hjf ( ! ,fair ,debt
 ,collection ,practices ,act 7#ae       
,u4,s4,c4 #afib;d7 is am5d$ by add+ at !
 end ! foll[+ new p>agraph3  7#g7       
,contact+ ! consum] electronically1     
includ+ by email or text message1 )\t   
cons5t ( ! consum]1 aft] su* cons5t has 
be5 )drawn1 or m frequ5tly ?an ! consum]
 cons5ts to be contact$4  4  7d7 ,ensur+
 consum]s receive notice ( debt         
collection protections ,section #hji7;a7

 ( ! ,fair ,debt ,collection ,practices 
,act 7#ae ,u4,s4,c4 #afib;g7a77 is am5d$
 9 ! matt] prec$+ p>agraph 7#a7 by /rik+
 ,)9 five days & all t foll[s ?r\gh     
debt1 & ins]t+ ! foll[+3 ,notice ( debt2
 cont5ts4--,)9 five days aft] ! initial 
communication ) a consum] 9 connection )
 ! collection ( any debt14  7e7 ,improv$
 limitations on debt collection rules   
,section #had7;d7 ( ! ,fair ,debt       
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afibl7d77 is am5d$ by add+ at
 ! end ! foll[+3 ,su* rules-- 7#a7 may n
 all[ a debt collector to s5d unlimit$  
electronic communications to a consum]2 
7#b7 %all require debt collectors to    
obta9 cons5t directly f consum]s be=e   
contact+ !m us+ a me?od o!r ?an by po/al
 mail or by phone2  7#c7 may n waive !  
requirem5ts ( ! ,electronic ,signatures 
9 ,global & ,national ,comm]ce ,act 7#ae
 ,u4,s4,c4 #gjja et seq472 &  7#d7 %all 
all[ consum]s to opt out ( any me?od (  
communication t ! debt collector uses to
 communicate ) consum]s1 includ+ a me?od

 = :i* su* consum] _h giv5 prior cons5t4
  4  ,m>* #ai1 #bjbj,report$ ) an       
am5dm5t2 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union &     
ord]$ to be pr9t$