,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #bhhd  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #ah1 #bjai,mr4
 ,wyd5 introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to apply ! ,fair ,debt         
,collection ,practices ,act to small    
bus9ess debt to ! same ext5t z su* ,act 
applies to consum]s1 & = o!r purposes4  
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,small ,bus9ess ,fair ,debt           
,collection ,protection ,act4  #b4 ,fair
 debt collection practices = loans to   
small bus9esses  7a7 ,9 g5]al ,! ,fair  
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib et seq47 is am5d$--     
7#a7 9 section #hjc 7#ae ,u4,s4,c4      
#afib;a7-- 7,a7 by /rik+ 7#e7 & ins]t+ !
 foll[+3  7#e7 ,! t]m debt means any    
obligation or alleg$ obligation to pay  
money aris+ out ( a transaction1 :e!r or
 n su* obligation has be5 r$uc$ to      
judgm5t4  2 &  7,b7 by add+ at ! end !  
foll[+3  7#i7 ,! t]m comm]cial cr$it    

bureau means any p]son t--  7,a7 =      
monet>y fees1 dues1 or on a coop]ative  
nonpr(it basis1 regul>ly engages 9 :ole 
or 9 "p 9 ! practice ( assembl+ or      
evaluat+ comm]cial cr$it in=mation or   
o!r in=mation on bus9esses = ! purpose (
 furni%+ consum] reports to ?ird p>ties2
 &  7,b7 uses any means or facility (   
int]/ate comm]ce = ! purpose ( prep>+ or
 furni%+ consum] reports4  7#aj7 ,! t]m 
consum] reports has ! mean+ giv5 ! t]m 9
 section #fjc ( ?is ,act4  2 &  7#b7 by 
ins]t+ aft] section #hah ! foll[+3      
#hah;,a4 ,application to small bus9ess  
debt  7a7 ,def9ition ,! t]m small       
bus9ess debt-- 7#a7 means any nonequity 
obligation or alleg$ obligation ( a     
p>tn]%ip1 corporation1 tru/1 e/ate1     
coop]ative1 association1 gov]nm5t or    
gov]nm5tal subdivision or ag5cy1 or o!r 
entity t is less ?an #e1jjj1jjj2 &  7#b7
 does n include any obligation or alleg$
 obligation-- 7,a7 ( an individual2 or  
7,b7 t is prim>ily = p]sonal1 family1 or
 h\sehold purposes4  7b7 ,application   

,?is ,act %all apply to small bus9ess   
debt to ! same ext5t z ?is ,act applies 
to debt4  4  7b7 ,cl]ical am5dm5t ,!    
table ( cont5ts = ! ,fair ,debt         
,collection ,practices ,act is am5d$ by 
ins]t+ aft] ! item relat+ to section    
#hah ! foll[+3  #hah;,a4 ,application to
 small bus9ess debt4  4  7c7 ,con=m+    
am5dm5ts ,! ,fair ,debt ,collection     
,practices ,act 7#ae ,u4,s4,c4 #afib et 
seq47 is am5d$-- 7#a7 9 section         
#hje7;b71 by ins]t+ or a comm]cial cr$it
 bureau 7z applicable7 aft] consum]     
report+ ag5cy2  7#b7 9 section #hjf7c7--
 7,a7 by /rik+ consum]s :o & ins]t+     
consum]s or small bus9esses t2 &  7,b7  
by ins]t+ or to a comm]cial cr$it bureau
 7z applicable71 aft] consum] report+   
ag5cy2 &  7#c7 9 section #hjg7af71 by   
ins]t+ or a comm]cial cr$it bureau aft] 
?is ,act4