,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #eicd  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #ba1         
#bjbj,ms4 ,bonamici 7= h]self1 ,mr4     
,coh51 & ,mr4 ,fo/]7 introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,fair ,debt ,collection ,practices    
,act to safegu>d access to in=mation =  
consum]s & to /op abusive debt          
litigation1 & = o!r purposes4  #a4 ,%ort
 title ,?is ,act may be cit$ z ! ,secur+
 ,consum]s ,aga9/ ,misrepres5t$ ,debt   
,act ( #bjbj or ! ,,scam ,debt ,act4    
#b4 ,def9itions ,section #hjc ( ! ,fair 
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib;a7 is am5d$ by add+ at !
 end ! foll[+3  7#i7 ,! t]m legal action
 means any lawsuit or legal proce$+     
7includ+ litigation1 arbitration1       
en=cem5t ( security int]e/s1 po/-judgm5t
 actions1 & m$iation7 pursu$1 tak51     
?reat5$1 (f]$1 or reque/$ by debt       
collectors4  4  #c4 ,false or mislead+  
repres5tations ,section #hjg7aa7 ( !    

,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib;e7#aa77 is am5d$ by
 /rik+ legal action & ins]t+ lawsuit4   
#d4 ,validation ( debts ,section        
#hji7;a7 ( ! ,fair ,debt ,collection    
,practices ,act 7#ae ,u4,s4,c4          
#afib;g7a77 is am5d$-- 7#a7 9 ! matt]   
prec$+ p>agraph 7#a71 by /rik+ ! foll[+ 
in=mation is conta9$ 9 ! initial        
communication or2  7#b7 by am5d+        
p>agraph 7#a7 to read z foll[s3  7#a7 an
 itemization ( ! am\nt ( ! debt t       
includes-- 7,a7 ! total am\nt ( ! debt  
ow$ on ! date ( ! notice2  7,b7 ! mo/   
rec5t date ( default on ! debt2 &  7,c7 
! am\nt ow$ on ! mo/ rec5t date (       
default1 ! am\nt ( any paym5ts made s9ce
 su* date1 & ! am\nt ( any int]e/ or    
fees accru$ on ! debt s9ce su* date2  2 
7#c7 by am5d+ p>agraph 7#b7 to read z   
foll[s3  7#b7 ! "n ( ! orig9al cr$itor  
&1 if diff]5t1 ! "n ( ! cr$itor on ! mo/
 rec5t date ( default & ! "n ( ! curr5t 
cr$itor to :om ! debt is ow$2  4  7#d7 9
 p>agraph 7#d7-- 7,a7 by /rik+ 9 writ+2 

&  7,b7 by /rik+ & at ! end2  7#e7 9    
p>agraph 7#e7-- 7,a7 by /rik+ writt52 & 
7,b7 by /rik+ ! p]iod at ! end & ins]t+ 
a semicolon2 &  7#f7 by add+ at ! end ! 
foll[+3  7#f7 ! acc\nt numb] ( ! debt on
 ! mo/ rec5t date ( default2 &  7#g7 all
 me?ods t ! consum] c use to contact !  
debt collector4  4  #e4 ,legal actions  
by debt collectors ,section #haa ( !    
,fair ,debt ,collections ,practices ,act
 7#ae ,u4,s4,c4 #afib;i7 is am5d$-- 7#a7
 by r$esignat+ subsection 7b7 z         
subsection 7c72 &  7#b7 by ins]t+ aft]  
subsection 7a7 ! foll[+ new subsection3 
7b7 ,requirem5ts = debt collectors ,a   
debt collector t takes legal action to  
collect or attempt to collect a debt    
%all comply ) ! foll[+ requirem5ts3 7#a7
 ,provide ! consum] writt5 notice ( !   
int5t to take legal action1 s5t to !    
consum]'s la/ kn[n address at lea/ #cj  
days & n lat] ?an #fj days 9 advance (  
comm5c+ ! legal action1 t %all include--
 7,a7 all me?ods t ! consum] c use to   
contact ! debt collector2 &  7,b7 all   

in=mation conta9$ 9 ! notice requir$ "u 
section #hji7;a7 7exclud+ ! in=mation   
describ$ 9 p>agraphs 7#c71 7#d71 & 7#e7 
( su* section71 updat$ to ensure        
correctness4  7#b7 ,9 ! initial plead+  
fil$ by a debt collector to comm5ce a   
legal action to collect a debt1         
include-- 7,a7 all in=mation conta9$ 9 !
 notice requir$ "u section #hji7;a7     
7exclud+ ! in=mation describ$ 9         
p>agraphs 7#c71 7#d71 & 7#e7 ( su*      
section71 except any acc\nt numb]s & any
 p]sonally id5tifiable in=mation1 updat$
 to ensure correctness2  7,b7 ! la/ f\r 
digits ( ! acc\nt numb] ( ! orig9al     
debt2  7,c7 admissible docum5t>y evid5ce
 (-- 7i7 ! writt5 agreem5t1 contract1 or
 in/rum5t creat+ ! debt1 if any1 or o!r 
docum5ts %[+ t ! consum] agre$ to !     
agreem5t1 contract1 or in/rum5t creat+ !
 debt2  7ii7 any t]ms & conditions      
relevant to ! debt2  7iii7 t ! consum]  
incurr$ ! debt & ! am\nt ow$2 &  7iv7 t 
!re is a *a9 ( title ( ! own]%ip ( debt 
& ! "r to collect ! debt1 includ+       

docum5ts %[+ ! date ( ea* transf] (     
own]%ip ( ! debt & ! id5tity ( ea* own] 
( ! debt2 &  7,d7 a sworn affidavit     
/at+-- 7i7 t ! applicable /atute (      
limitations = collect+ ! debt has n     
expir$ & ! date on :i* su* /atute (     
limitations expires2 &  7ii7 t ! debt   
collector p]sonally review$ all         
applicable records & docum5ts relat+ to 
! debt to be collect$4  4