,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fdbc  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #ca1 #bjbj,mr4   
,lawson ( ,florida introduc$ ! foll[+   
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to      
provide = a tempor>y debt collection    
moratorium dur+ ! ,,covid-#ai em]g5cy   
p]iod1 & = o!r purposes4  #a4 ,debt     
collection  7a7 ,tempor>y debt          
collection moratorium dur+ ! ,,covid-#ai
 em]g5cy p]iod  7#a7 ,9 g5]al ,! ,fair  
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib et seq47 is am5d$ by    
ins]t+ aft] section #hab ! foll[+3      
#hab;,a4 ,tempor>y debt collection      
moratorium dur+ ! ,,covid-#ai em]g5cy   
p]iod  7a7 ,def9itions ,9 ?is section3  
7#a7 ,consum] ,! t]m consum] means any  
natural p]son obligat$ or alleg$ly      
obligat$ to pay any debt4  7#b7         
,,covid-#ai em]g5cy p]iod ,! t]m        
,,covid-#ai em]g5cy p]iod means ! p]iod 
t beg9s ^u ! date ( ! enactm5t ( ?is    
,act & ends ^u ! date ( ! t]m9ation by !

 ,f$]al ,em]g5cy ,managem5t             
,adm9i/ration ( ! em]g5cy decl>$ on ,m>*
 #ac1 #bjbj1 by ! ,presid5t "u ! ,rob]t 
,t4 ,/af=d ,disa/] ,relief & ,em]g5cy   
,assi/ance ,act 7#db ,u4,s4,c4 #daba et 
seq47 relat+ to ! ,coronavirus ,disease 
#bjai 7,,covid-#ai7 p&emic4  7#c7       
,cr$itor ,! t]m cr$itor means any p]son 
:o (f]s or ext5ds cr$it creat+ a debt or
 to :om a debt is ow$ or o!r obligation 
( paym5t4  7#d7 ,debt ,! t]m debt-- 7,a7
 means any pa/ due obligation or alleg$ 
obligation ( a consum]1 non-pr(it       
organization1 or small bus9ess to pay   
money-- 7i7 aris+ out ( a transaction 9 
:i* ! money1 prop]ty1 insurance1 or     
s]vices :i* are ! subject ( !           
transaction are prim>ily = p]sonal1     
family1 bus9ess1 non-pr(it1 or h\sehold 
purposes1 :e!r or n su* obligation has  
be5 r$uc$ to judgm5t2 &  7ii7 ow$ to a  
local1 ,/ate1 or ,f$]al gov]nm5t2 &     
7,b7 does n include f$]ally relat$      
mortgages 7z def9$ "u section #c ( !    
,real ,e/ate ,settlem5t ,proc$ures ,act 

( #aigd7 unless a defici5cy judgm5t has 
be5 made ) respect to su* f$]ally relat$
 mortgage4  7#e7 ,debt collector ,! t]m 
debt collector includes a cr$itor & any 
p]son or entity t engages 9 ! collection
 ( debt 7includ+ ! ,f$]al ,gov]nm5t or a
 ,/ate gov]nm5t7 :e!r or n ! debt is    
alleg$ly ow$ to or assign$ to t p]son or
 entity4  7#f7 ,depository in/itution ,!
 t]m depository in/itution-- 7,a7 has ! 
mean+ giv5 t t]m "u section #c ( !      
,f$]al ,deposit ,insurance ,act2 &  7,b7
 means a ,f$]al or ,/ate cr$it union 7z 
su* t]ms are def9$1 respectively1 "u    
section #aja ( ! ,f$]al ,cr$it ,union   
,act74  7#g7 ,non-pr(it organization ,! 
t]m non-pr(it organization means an     
organization describ$ 9 section         
#eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code 
( #aihf & exempt f taxation "u          
subsection 7a7 ( su* section4  7#h7     
,small bus9ess ,! t]m small bus9ess has 
! mean+ giv5 ! t]m small bus9ess conc]n 
"u section #c ( ! ,small ,bus9ess ,act  
7#ae ,u4,s4,c4 #fcb74  7b7 ,prohibitions

 ,not)/&+ any o!r provision ( law1 dur+ 
,,covid-#ai em]g5cy p]iod & ! #abj-;day 
p]iod imm$iately foll[+1 a debt         
collector is prohibit$ f-- 7#a7         
capitaliz+ or add+ extra int]e/ or fees 
trigg]$ by ! non-paym5t ( an obligation 
by a consum]1 small bus9ess1 or         
non-pr(it organization to ! balance ( an
 acc\nt2  7#b7 su+ or ?reat5+ to sue a  
consum]1 small bus9ess1 or non-pr(it = a
 pa/-due debt2  7#c7 cont9u+ litigation 
initiat$ be=e ! date ( enactm5t ( ?is   
section to collect a debt f a consum]1  
small bus9ess1 or non-pr(it             
organization2  7#d7 en=c+ a security    
int]e/1 includ+ ?r\gh repossession or   
=eclosure1 aga9/ a consum]1 small       
bus9ess1 or non-pr(it organization2     
7#e7 report+ a pa/ due debt ( a consum]1
 small bus9ess1 or non-pr(it            
organization to a consum] report+ ag5cy2
  7#f7 tak+ or ?reat5+ to take any      
action to en=ce collection1 or any      
adv]se action aga9/ a consum]1 small    
bus9ess1 or non-pr(it organization =    

non-paym5t or = non-appe>ance at any    
he>+s relat$ to a debt2  7#g7 except )  
respect to en=c+ an ord] = *ild support 
or sp\sal support1 initiat+ or cont9u+  
any action to cause or to seek to cause 
! collection ( a debt f wages1 ,f$]al   
b5efits1 or o!r am\nts due to a consum]1
 small bus9ess1 or non-pr(it            
organization1 by way ( g>ni%m5t1        
d$uction1 (fset1 or o!r seizure1 or to  
cause or seek to cause ! collection ( a 
debt by seiz+ funds f a bank acc\nt or  
any o!r assets held by su* consum]1     
small bus9ess1 or non-pr(it             
organization2  7#h7 9 ! case ( action or
 collection describ$ "u p>agraph 7#g7 t 
0 initiat$ prior to ! beg9n+ ( ! date ( 
su* disa/] or em]g5cy1 fail+ to susp5d !
 action or collection until #abj days   
aft] ! end ( ! ,,covid-#ai em]g5cy      
p]iod2  7#i7 ^u ! t]m9ation ( ! incid5t 
p]iod = su* disa/] or em]g5cy1 fail+ to 
ext5d ! "t p]iod to pay an obligation by
 "o paym5t p]iod = ea* paym5t t a       
consum]1 small bus9ess1 or non-pr(it    

organization miss$ dur+ ! incid5t p]iod1
 ) ! paym5ts due 9 ! same am\nts & at ! 
same int]vals z ! pre-exi/+ paym5t      
s*$ule ( ! consum]1 small bus9ess1 or   
non-pr(it organization 7z applicable7   
or1 if ! debt has no paym5t p]iods1 all[
 ! consum]1 small bus9ess1 or non-pr(it 
a reasonable "t 9 :i* to repay ! debt 9 
af=dable paym5ts2  7#aj7 disconnect+ a  
consum]1 small bus9ess1 or non-pr(it    
organization f a utility prepaid or     
po/-paid electricity1 natural gas1      
telecommunications1 broadb&1 wat]1 or   
sew] s]vice2 or  7#aa7 ex]cis+ a "r to  
set (f provision conta9$ 9 any consum]1 
small bus9ess1 or non-pr(it organization
 acc\nt agreem5t ) a depository         
in/itution4  7c7 ,violation ,any p]son  
:o violates a provision ( ?is section   
%all-- 7#a7 be treat$ z a debt collector
 = purposes ( section #hac2 &  7#b7 be  
liable to ! consum]1 small bus9ess1 or  
non-pr(it organization an am\nt equal to
 #aj times ! damages all[$ "u section   
#hac = ea* su* violation4  4  7#b7      

,table ( cont5ts am5dm5t ,! table (     
cont5ts at ! beg9n+ ( ! ,fair ,debt     
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib et seq47 is am5d$ by    
ins]t+ aft] ! item relat+ to section    
#hab ! foll[+ new item3  #hab;,a4       
,tempor>y debt collection moratorium    
dur+ ! ,,covid-#ai em]g5cy p]iod4  4    
7b7 ,confessions ( judgm5t prohibition  
7#a7 ,9 g5]al ,*apt] #b ( ! ,tru? 9     
,l5d+ ,act 7#ae ,u4,s4,c4 #afca et seq47
 is am5d$-- 7,a7 by add+ at ! end !     
foll[+3  #adj;,b4 ,confessions ( judgm5t
 prohibition  7a7 ,9 g5]al ,dur+ a p]iod
 describ$ "u section #hab;,a7b7 ( !     
,fair ,debt ,collection ,practices ,act1
 no p]son may directly or indirectly    
take or receive f ano!r p]son or seek to
 en=ce an obligation t con/itutes or    
conta9s a cognovit or confession (      
judgm5t 7= purposes o!r ?an executory   
process 9 ! ,/ate ( ,l\isiana71 w>rant (
 attorney1 or o!r waiv] ( ! "r to notice
 & ! opportunity to be he>d 9 ! ev5t (  
suit or process !reon4  7b7 ,exemption  

,! exemption 9 section #ajd7a7 %all n   
apply to ?is section4  7c7 ,debt def9$  
,9 ?is section1 ! t]m debt means any    
obligation ( a p]son to pay to ano!r    
p]son money-- 7#a7 reg>dless ( :e!r !   
obligation is absolute or cont+5t1 if ! 
und]/&+ betwe5 ! p>ties is t any "p ( ! 
money %all be or may be return$2  7#b7 t
 includes ! "r ( ! p]son provid+ ! money
 to an equitable rem$y = brea* (        
p]=mance if ! brea* gives rise to a "r  
to paym5t2 &  7#c7 reg>dless ( :e!r !   
obligation or "r to an equitable rem$y  
describ$ 9 p>agraph 7#b7 has be5 r$uc$  
to judgm5t or is fix$1 cont+5t1 matur$1 
unmatur$1 disput$1 undisput$1 secur$1 or
 unsecur$4  2 &  7,b7 9 ! table (       
cont5ts = su* *apt]1 by add+ at ! end ! 
foll[+3  #adj;,b4 ,confessions ( judgm5t
 prohibition4  4  7#b7 ,con=m+ am5dm5t  
,section #acj7;a7 ( ! ,tru? 9 ,l5d+ ,act
 7#ae ,u4,s4,c4 #afdj7;a77 is am5d$ by  
add+ at ! end ! foll[+3 ,= purposes (   
?is section1 ! t]m cr$itor ref]s to any 
p]son *>g$ ) compliance44