,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #eicd  ,,in ,,the ,,house ,,of  
,,representatives  ,february #ba1       
#bjbj,ms4 ,bonamici 7for herself1 ,mr4  
,cohen1 and ,mr4 ,foster7 introduced the
 following bill2 which was referred to  
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,fair ,debt    
,collection ,practices ,act to safeguard
 access to information for consumers and
 to stop abusive debt litigation1 and   
for other purposes4  #a4 ,short title   
,this ,act may be cited as the ,securing
 ,consumers ,against ,misrepresented    
,debt ,act of #bjbj or the ,,scam ,debt 
,act4  #b4 ,definitions ,section #hjc of
 the ,fair ,debt ,collection ,practices 
,act 7#ae ,u4,s4,c4 #afib;a7 is amended 
by adding at the end the following3     
7#i7 ,the term legal action means any   
lawsuit or legal proceeding 7including  
litigation1 arbitration1 enforcement of 
security interests1 post-judgment       
actions1 and mediation7 pursued1 taken1 
threatened1 offered1 or requested by    

debt collectors4  4  #c4 ,false or      
misleading representations ,section     
#hjg7aa7 of the ,fair ,debt ,collection 
,practices ,act 7#ae ,u4,s4,c4          
#afib;e7#aa77 is amended by striking    
legal action and inserting lawsuit4  #d4
 ,validation of debts ,section #hji7;a7 
of the ,fair ,debt ,collection          
,practices ,act 7#ae ,u4,s4,c4          
#afib;g7a77 is amended-- 7#a7 in the    
matter preceding paragraph 7#a71 by     
striking the following information is   
contained in the initial communication  
or2  7#b7 by amending paragraph 7#a7 to 
read as follows3  7#a7 an itemization of
 the amount of the debt that includes-- 
7,a7 the total amount of the debt owed  
on the date of the notice2  7,b7 the    
most recent date of default on the debt2
 and  7,c7 the amount owed on the most  
recent date of default1 the amount of   
any payments made since such date1 and  
the amount of any interest or fees      
accrued on the debt since such date2  2 
7#c7 by amending paragraph 7#b7 to read 

as follows3  7#b7 the name of the       
original creditor and1 if different1 the
 name of the creditor on the most recent
 date of default and the name of the    
current creditor to whom the debt is    
owed2  4  7#d7 in paragraph 7#d7-- 7,a7 
by striking in writing2 and  7,b7 by    
striking and at the end2  7#e7 in       
paragraph 7#e7-- 7,a7 by striking       
written2 and  7,b7 by striking the      
period at the end and inserting a       
semicolon2 and  7#f7 by adding at the   
end the following3  7#f7 the account    
number of the debt on the most recent   
date of default2 and  7#g7 all methods  
that the consumer can use to contact the
 debt collector4  4  #e4 ,legal actions 
by debt collectors ,section #haa of the 
,fair ,debt ,collections ,practices ,act
 7#ae ,u4,s4,c4 #afib;i7 is amended--   
7#a7 by redesignating subsection 7b7 as 
subsection 7c72 and  7#b7 by inserting  
after subsection 7a7 the following new  
subsection3  7b7 ,requirements for debt 
collectors ,a debt collector that takes 

legal action to collect or attempt to   
collect a debt shall comply with the    
following requirements3 7#a7 ,provide   
the consumer written notice of the      
intent to take legal action1 sent to the
 consumer's last known address at least 
#cj days and not later than #fj days in 
advance of commencing the legal action1 
that shall include-- 7,a7 all methods   
that the consumer can use to contact the
 debt collector2 and  7,b7 all          
information contained in the notice     
required under section #hji7;a7         
7excluding the information described in 
paragraphs 7#c71 7#d71 and 7#e7 of such 
section71 updated to ensure correctness4
  7#b7 ,in the initial pleading filed by
 a debt collector to commence a legal   
action to collect a debt1 include-- 7,a7
 all information contained in the notice
 required under section #hji7;a7        
7excluding the information described in 
paragraphs 7#c71 7#d71 and 7#e7 of such 
section71 except any account numbers and
 any personally identifiable            

information1 updated to ensure          
correctness2  7,b7 the last four digits 
of the account number of the original   
debt2  7,c7 admissible documentary      
evidence of-- 7i7 the written agreement1
 contract1 or instrument creating the   
debt1 if any1 or other documents showing
 that the consumer agreed to the        
agreement1 contract1 or instrument      
creating the debt2  7ii7 any terms and  
conditions relevant to the debt2  7iii7 
that the consumer incurred the debt and 
the amount owed2 and  7iv7 that there is
 a chain of title of the ownership of   
debt and the right to collect the debt1 
including documents showing the date of 
each transfer of ownership of the debt  
and the identity of each owner of the   
debt2 and  7,d7 a sworn affidavit       
stating-- 7i7 that the applicable       
statute of limitations for collecting   
the debt has not expired and the date on
 which such statute of limitations      
expires2 and  7ii7 that the debt        
collector personally reviewed all       

applicable records and documents        
relating to the debt to be collected4  4