,,ib ,union ,cal5d> ,no4 #aj #aag?      
,,congress  #a/ ,session  ,h4 ,r4 #bedg 
,report ,no4 #aag-bc ,,9 ,,! ,,h\se ,,( 
,,repres5tatives  ,april #ae1 #bjba,ms4 
,wat]s 7= h]self1 ,mr4 ,meeks1 ,ms4     
,dean1 ,mr4 ,cleav]1 ,ms4 ,velzquez1    
,mr4 ,au*9closs1 ,ms4 ,pressley1 & ,ms4 
,tlaib7 introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,april #cj1 #bjba,report$ ) an
 am5dm5t1 committ$ to ! ,committee ( !  
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
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 ,april #ae1  
#bjba  ,a ,,bill  ,to exp& & enhance    
consum]1 /ud5t1 s]vicememb]1 & small    
bus9ess protections ) respect to debt   
collection practices1 & = o!r purposes4 
#a4 ,%ort title2 table ( cont5ts  7a7   
,%ort title ,?is ,act may be cit$ z !   
,compreh5sive ,debt ,collection         
,improvem5t ,act4  7b7 ,table ( cont5ts 
,! table ( cont5ts = ?is ,act is z      

foll[s3 ,sec4 #a4 ,%ort title2 table (  
cont5ts4,title ,i--,small ,bus9ess ,l5d+
 ,fairness ,act,sec4 #aja4 ,%ort        
title4,sec4 #ajb4 ,obligor              
transactions4,sec4 #ajc4 ,en=cem5t (    
security int]e/s4,title ,,ii --,fair    
,debt ,collection ,practices =          
,s]vicememb]s ,act,sec4 #bja4 ,%ort     
title4,sec4 #bjb4 ,enhanc$ protection   
aga9/ debt collector h>assm5t (         
s]vicememb]s4,sec4 #bjc4 ,,gao /udy &   
report4,title ,,iii--,private ,loan     
,disability ,dis*>ge ,act,sec4 #cja4    
,%ort title4,sec4 #cjb4 ,protections =  
obligors & cosign]s 9 case ( dea? or    
total & p]man5t disability4,title       
,,iv--,consum] ,protection = ,m$ical    
,debt ,collections ,act,sec4 #dja4 ,%ort
 title4,sec4 #djb4 ,am5dm5ts to ! ,fair 
,debt ,collection ,practices ,act4,sec4 
#djc4 ,prohibition on consum] report+   
ag5cies report+ c]ta9 m$ical debt4,sec4 
#djd4 ,requirem5ts = furni%]s ( m$ical  
debt in=mation4,title ,v--,end+ ,debt   
,collection ,h>assm5t ,act,sec4 #eja4   

,%ort title4,sec4 #ejb4 ,consum]        
protections relat+ to debt collection   
practices4,title ,,vi--,/op ,debt       
,collection ,abuse ,act,sec4 #fja4 ,%ort
 title4,sec4 #fjb4 ,def9itions4,sec4    
#fjc4 ,debt collection practices = debt 
collectors hir$ by ,f$]al ag5cies4,sec4 
#fjd4 ,unfair practices4,sec4 #fje4     
,,gao /udy & report4,title ,,vii--,debt 
,collection ,practices ,h>monization    
,act,sec4 #gja4 ,%ort title4,sec4 #gjb4 
,aw>d ( damages4,sec4 #gjc4 ,prohibition
 on ! ref]ral ( em]g5cy individual      
assi/ance debt4,title                   
,,viii--,non-,judicial ,=eclosure ,debt 
,collection ,cl>ification ,act,sec4     
#hja4 ,%ort title4,sec4 #hjb4 ,en=cem5t 
( security int]e/s4,title               
,,ix--,effective ,date,sec4 #ija4       
,effective date4  ,i ,small ,bus9ess    
,l5d+ ,fairness ,act  #aja4 ,%ort title 
,?is title may be cit$ z ! ,small       
,bus9ess ,l5d+ ,fairness ,act4  #ajb4   
,obligor transactions  7a7 ,9 g5]al     
,*apt] #b ( ! ,tru? 9 ,l5d+ ,act 7#ae   

,u4,s4,c4 #afca et seq47 is am5d$ by    
add+ at ! end ! foll[+3  #adj;,b4       
,unfair cr$it practices  7a7 ,9 g5]al ,9
 connection ) ! ext5sion ( cr$it or     
creation ( debt 9 or affect+ comm]ce1 z 
def9$ 9 section #d ( ! ,f$]al ,trade    
,commission ,act 7#ae ,u4,s4,c4 #dd71   
includ+ any advance ( funds or sale or  
assignm5t ( future income or receivables
 t may or may n be cr$it1 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 ,!    
exemptions describ$ 9 section #ajd %all 
n apply to ?is section4  4  7b7         
,te*nical & con=m+ am5dm5ts  7#a7       
,section #acj ( ! ,tru? 9 ,l5d+ ,act    
7#ae ,u4,s4,c4 #afdj7 is am5d$ by add+  
at ! end ! foll[+3  7m7 ,cr$itor ,9 ?is 

section1 ! t]m cr$itor ref]s to any     
p]son *>g$ ) compliance t is n !        
obligor4  4  7#b7 ,! table ( sections 9 
*apt] #b ( ! ,tru? 9 ,l5d+ ,act 7#ae    
,u4,s4,c4 #afca et seq47 is am5d$ by    
add+ at ! end ! foll[+3  #adj;,b4       
,unfair cr$it practices4  4  #ajc4      
,en=cem5t ( security int]e/s ,section   
#ajc ( ! ,tru? 9 ,l5d+ ,act 7#ae        
,u4,s4,c4 #afjb7 is am5d$ by add+ at !  
end ! foll[+3  7ff7 ,! t]m debt means   
any obligation ( a p]son to pay to ano!r
 p]son money-- 7#a7 reg>dless ( :e!r su*
 obligation is absolute or cont+5t2     
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 judgm5t1 fix$1 cont+5t1 matur$1      
unmatur$1 disput$1 undisput$1 rec\rse1  
nonrec\rse1 secur$1 or unsecur$4  4     
,,ii ,fair ,debt ,collection ,practices 
= ,s]vicememb]s ,act  #bja4 ,%ort title 

,?is title may be cit$ z ! ,fair ,debt  
,collection ,practices = ,s]vicememb]s  
,act4  #bjb4 ,enhanc$ protection aga9/  
debt collector h>assm5t ( s]vicememb]s  
7a7 ,communication 9 connection ) debt  
collection ,section #hje ( ! ,fair ,debt
 ,collection ,practices ,act 7#ae       
,u4,s4,c4 #afib;c7 is am5d$ by add+ at !
 end ! foll[+3  7e7 ,communications     
conc]n+ s]vicememb] debts  7#a7         
,def9ition ,9 ?is subsection1 ! t]m     
cov]$ memb] means-- 7,a7 a cov]$ memb]  
or a dep5d5t z def9$ 9 section #ihg7;i7 
( title #aj1 ,unit$ ,/ates ,code2 &     
7,b7 7i7 an individual :o 0 sep>at$1    
dis*>g$1 or releas$ f duty describ$ 9   
su* section #ihg7;i77#a71 b only dur+ ! 
#cfe-;day p]iod beg9n+ on ! date (      
sep>ation1 dis*>ge1 or release2 or  7ii7
 a p]son1 ) respect to an individual    
describ$ 9 clause 7i71 describ$ 9       
subp>agraph 7,a71 7,d71 7,e71 or 7,i7 ( 
section #ajgb7b7 ( title #aj1 ,unit$    
,/ates ,code4  7#b7 ,prohibitions ,a    
debt collector may n1 9 connection ) !  

collection ( any debt ( a cov]$ memb]-- 
7,a7 ?reat5 to h ! cov]$ memb] r$uc$ 9  
rank2  7,b7 ?reat5 to h ! cov]$ memb]'s 
security cle>ance revok$2 or  7,c7      
?reat5 to h ! cov]$ memb] prosecut$ "u  
*apt] #dg ( title #aj1 ,unit$ ,/ates    
,code 7! ,uni=m ,code ( ,milit>y        
,ju/ice74  4  7b7 ,unfair practices     
,section #hjh ( ! ,fair ,debt           
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;f7 is am5d$ by add+ at !
 end ! foll[+3  7#i7 ,! repres5tation to
 any cov]$ memb] 7z def9$ "u section    
#hje7;e77#a77 t failure to coop]ate ) a 
debt collector w result 9-- 7,a7 a      
r$uction 9 rank ( ! cov]$ memb]2  7,b7 a
 revocation ( ! cov]$ memb]'s security  
cle>ance2 or  7,c7 prosecution "u *apt] 
#dg ( title #aj1 ,unit$ ,/ates ,code 7! 
,uni=m ,code ( ,milit>y ,ju/ice74  4    
#bjc4 ,,gao /udy & report  7a7 ,/udy ,! 
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all conduct a /udy on ! impact ( debt  
collection on cov]$ memb]s 7z def9$ "u  
section #hje7;e77#a7 ( ! ,fair ,debt    

,collection ,practices ,act1 z add$ by  
section #bjb71 :i* %all-- 7#a7 id5tify  
types ( false1 deceptive1 mislead+1     
unfair1 abusive1 & h>ass+ debt          
collection practices exp]i5c$ by cov]$  
memb]s & make recomm5dations to elim9ate
 ^! practices2  7#b7 id5tify collection 
practices ( cr$itors & debt collectors  
exp]i5c$ by cov]$ memb]s2  7#c7 discuss 
! effect ( ^! practices on milit>y      
read9ess2 &  7#d7 discuss any national  
security implications1 includ+ ! ext5t  
to :i* cov]$ memb]s ) security cle>ances
 w\ld be impact$ by uncollect$ debt4    
7b7 ,report ,n lat] ?an "o ye> aft] !   
date ( enactm5t ( ?is ,act1 !           
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all submit to ,congress a report on !  
complet$ /udy requir$ "u subsection 7a74
  ,,iii ,private ,loan ,disability      
,dis*>ge ,act  #cja4 ,%ort title ,?is   
title may be cit$ z ! ,private ,loan    
,disability ,dis*>ge ,act ( #bjba4      
#cjb4 ,protections = obligors & cosign]s
 9 case ( dea? or total & p]man5t       

disability  7a7 ,9 g5]al ,section       
#adj7;g7 ( ! ,tru? 9 ,l5d+ ,act 7#ae    
,u4,s4,c4 #afej7;g77 is am5d$-- 7#a7 9  
p>agraph 7#b7-- 7,a7 9 ! head+1 by /rik+
 9 case ( dea? ( borr[]2  7,b7 9        
subp>agraph 7,a71 by ins]t+ aft] ( !    
dea?1 ! foll[+3 or total & p]man5t      
disability2 &  7,c7 9 subp>agraph 7,c71 
by ins]t+ aft] ( ! dea?1 ! foll[+3 or   
total & p]man5t disability2 &  7#b7 by  
add+ at ! end ! foll[+3  7#c7 ,dis*>ge 9
 case ( dea? or total & p]man5t         
disability ( borr[] ,! hold] ( a private
 education loan %all1 :5 notifi$ ( !    
dea? or total & p]man5t disability ( a  
/ud5t obligor1 dis*>ge ! liability ( !  
/ud5t obligor on ! loan & may n1 aft]   
su* notification-- 7,a7 attempt to      
collect on ! out/&+ liability ( ! /ud5t 
obligor2 &  7,b7 9 ! case ( total &     
p]man5t disability1 monitor ! disability
 /atus ( ! /ud5t obligor at any po9t    
aft] ! date ( dis*>ge4  7#d7 ,private   
dis*>ge 9 cases ( c]ta9 dis*>ge = dea?  
or disability ,! hold] ( a private      

education loan %all1 :5 notifi$ ( !     
dis*>ge ( liability ( a /ud5t obligor on
 a loan describ$ "u section             
#ajh7;f77#e77;,a7 ( ! ,int]nal ,rev5ue  
,code ( #aihf1 dis*>ge any liability ( !
 /ud5t obligor 7& any cosign]7 on any   
private education loan :i* ! private    
education loan hold] holds & may n1 aft]
 su* notification-- 7,a7 attempt to     
collect on ! out/&+ liability ( ! /ud5t 
obligor2 &  7,b7 9 ! case ( total &     
p]man5t disability1 monitor ! disability
 /atus ( ! /ud5t obligor at any po9t    
aft] ! date ( dis*>ge4  7#e7 ,total &   
p]man5t disability def9$ ,= ! purposes (
 ?is subsection & ) respect to an       
individual1 ! t]m total & p]man5t       
disability means ! individual is totally
 & p]man5tly disabl$1 z su* t]m is def9$
 9 section #fhe4ajb7;b7 ( title #cd1    
,code ( ,f$]al ,regulations4  4  7b7    
,rulemak+ ,! ,director ( ! ,bureau (    
,consum] ,f9ancial ,protection may issue
 rules to implem5t ! am5dm5ts made by   
subsection 7a7 z ! ,director det]m9es   

appropriate4  ,,iv ,consum] ,protection 
= ,m$ical ,debt ,collections ,act  #dja4
 ,%ort title ,?is title may be cit$ z ! 
,consum] ,protection = ,m$ical ,debt    
,collections ,act4  #djb4 ,am5dm5ts to !
 ,fair ,debt ,collection ,practices ,act
  7a7 ,def9ition ,section #hjc ( ! ,fair
 ,debt ,collection ,practices ,act 7#ae 
,u4,s4,c4 #afib;a7 is am5d$ by add+ at !
 end ! foll[+3  7#i7 ,! t]m m$ical debt 
means a debt aris+ f ! receipt ( m$ical 
s]vices1 products1 or devices4  4  7b7  
,unfair practices ,section #hjh ( !     
,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib;f71 z am5d$ by     
section #bjb7;b71 is am5d$ by add+ at ! 
end ! foll[+3  7#aj7 ,engag+ 9          
activities to collect or attempt+ to    
collect a m$ical debt ow$ or due or     
ass]t$ to be ow$ or due by a consum]1   
be=e ! end ( ! #b-ye> p]iod beg9n+ on ! 
date t ! fir/ paym5t ) respect to su*   
m$ical debt is due4  4  #djc4           
,prohibition on consum] report+ ag5cies 
report+ c]ta9 m$ical debt  7a7          

,def9ition ,section #fjc ( ! ,fair      
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;a7 is am5d$ by add+ at ! end !    
foll[+3  7bb7 ,m$ical debt ,! t]m m$ical
 debt means a debt aris+ f ! receipt (  
m$ical s]vices1 products1 or devices4   
7cc7 ,m$ically necess>y proc$ure ,! t]m 
m$ically necess>y proc$ure means-- 7#a7 
heal? c>e s]vices or supplies ne$$ to   
diagnose or treat an illness1 injury1   
condition1 disease1 or its symptoms & t 
meet accept$ /&>ds ( m$ic9e2 &  7#b7    
heal? c>e to prev5t illness or detect   
illness at an e>ly /age1 :5 treatm5t is 
likely to "w be/ 7includ+ prev5tive     
s]vices su* z pap te/s1 flu %ots1 &     
scre5+ mammograms74  4  7b7 ,9 g5]al    
,section #fje7;a7 ( ! ,fair ,cr$it      
,report+ ,act 7#ae ,u4,s4,c4 #afha;c7a77
 is am5d$ by add+ at ! end ! foll[+ new 
p>agraphs3  7#i7 ,any in=mation relat$  
to a debt aris+ f a m$ically necess>y   
proc$ure4  7#aj7 ,any in=mation relat$  
to a m$ical debt1 if ! date on :i* su*  
debt 0 plac$ = collection1 *>g$ to pr(it

 or loss1 or subject$ to any simil>     
action ant$ates ! report by less ?an    
#cfe cal5d> days4  4  #djd4 ,requirem5ts
 = furni%]s ( m$ical debt in=mation  7a7
 ,additional notice requirem5ts = m$ical
 debt ,section #fbc ( ! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7 
is am5d$ by add+ at ! end ! foll[+3  7f7
 ,additional notice requirem5ts = m$ical
 debt ,be=e furni%+ in=mation reg>d+ a  
m$ical debt ( a consum] to a consum]    
report+ ag5cy1 ! p]son furni%+ !        
in=mation %all s5d a /atem5t to !       
consum] t includes ! foll[+3 7#a7 ,a    
notification t ! m$ical debt-- 7,a7 may 
n be includ$ on a consum] report made by
 a consum] report+ ag5cy until ! lat] ( 
! date t is #cfe days aft]-- 7i7 ! date 
on :i* ! p]son s5ds ! /atem5t2  7ii7 )  
respect to ! m$ical debt ( a borr[]     
demon/rat+ h>d%ip1 a date det]m9$ by !  
,director ( ! ,bureau2 or  7iii7 ! date 
describ$ "u section #fje7;a77#aj72 &    
7,b7 may n ev] be includ$ on a consum]  
report made by a consum] report+ ag5cy1 

if ! m$ical debt arises f a m$ically    
necess>y proc$ure4  7#b7 ,a notification
 t1 if ! debt is settl$ or paid by !    
consum] or an insurance company be=e !  
end ( ! p]iod describ$ "u p>agraph      
7#a77;,a71 ! debt may n be report$ to a 
consum] report+ ag5cy4  7#c7 ,a         
notification t ! consum] may-- 7,a7     
communicate ) an insurance company to   
det]m9e cov]age = ! debt2 or  7,b7 apply
 = f9ancial assi/ance4  4  7b7 ,furni%+ 
( m$ical debt in=mation ,section #fbc ( 
! ,fair ,cr$it ,report+ ,act 7#ae       
,u4,s4,c4 #afhas-#b71 z am5d$ by        
subsection 7a71 is fur!r am5d$ by add+  
at ! end ! foll[+3  7g7 ,furni%+ (      
m$ical debt in=mation  7#a7 ,prohibition
 on report+ debt relat$ to m$ically     
necess>y proc$ures ,no p]son %all furni%
 any in=mation to a consum] report+     
ag5cy reg>d+ a debt aris+ f a m$ically  
necess>y proc$ure4  7#b7 ,treatm5t ( o!r
 m$ical debt in=mation ,) respect to a  
m$ical debt n describ$ "u p>agraph 7#a71
 no p]son %all furni% any in=mation to a

 consum] report+ ag5cy reg>d+ su* debt  
be=e ! end ( ! #cfe-;day p]iod beg9n+ on
 ! lat] (-- 7,a7 ! date on :i* ! p]son  
s5ds ! /atem5t describ$ "u subsection   
7f7 to ! consum]2  7,b7 ) respect to !  
m$ical debt ( a borr[] demon/rat+       
h>d%ip1 a date det]m9$ by ! ,director ( 
! ,bureau2 or  7,c7 ! date describ$ 9   
section #fje7;a77#aj74  7#c7 ,treatm5t (
 settl$ or paid m$ical debt ,) respect  
to a m$ical debt n describ$ "u p>agraph 
7#a71 no p]son %all furni% any in=mation
 to a consum] report+ ag5cy reg>d+ su*  
debt if ! debt is settl$ or paid by !   
consum] or an insurance company be=e !  
end ( ! #cfe-;day p]iod describ$ "u     
p>agraph 7#b74  7#d7 ,borr[] demon/rat+ 
h>d%ip def9$ ,9 ?is subsection1 & )     
respect to a m$ical debt1 ! t]m borr[]  
demon/rat+ h>d%ip means a borr[] or a   
class ( borr[]s :o1 z det]m9$ by !      
,director ( ! ,bureau1 is fac+ or has   
exp]i5c$ ext5uat+ life circum/ances or  
ev5ts t result 9 sev]e f9ancial or      
p]sonal b>ri]s su* t ! borr[] or class (

 borr[]s does n h ! capacity to repay ! 
m$ical debt4  4  ,v ,end+ ,debt         
,collection ,h>assm5t ,act  #eja4 ,%ort 
title ,?is title may be cit$ z ! ,end+  
,debt ,collection ,h>assm5t ,act (      
#bjba4  #ejb4 ,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] electronically      
7includ+ by email or text message7 )\t  
cons5t ( ! consum] to communicate via t 

me?od1 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$+ p>agraph 7#a7-- 7#a7 by /rik+   
,)9 five days & all t foll[s ?r\gh any  
debt1 & ins]t+ ! foll[+3 ,notice ( debt2
 cont5ts4--,)9 five days aft] ! initial 
communication ) a consum] 9 connection )
 ! collection ( any debt12 &  7#b7 by   
/rik+ 1 unless ! foll[+ in=mation is    
conta9$ 9 ! initial communication or !  
consum] has paid ! 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  ,,vi ,/op ,debt ,collection ,abuse 
,act  #fja4 ,%ort title ,?is title may  
be cit$ z ! ,/op ,debt ,collection      
,abuse ,act ( #bjba4  #fjb4 ,def9itions 
,section #hjc ( ! ,fair ,debt           
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;a7 is am5d$-- 7#a7 9    
p>agraph 7#d71 by /rik+ facilitat+      
collection ( su* debt = ano!r & ins]t+  
collection ( su* debt2  7#b7 by am5d+   
p>agraph 7#e7 to read z foll[s3  7#e7 ,!
 t]m debt means any obligation or alleg$
 obligation ( a consum]-- 7,a7 to pay   
money aris+ out ( a transaction 9 :i* ! 
money1 prop]ty1 insurance or s]vices :i*
 are ! subject ( ! transaction are      

prim>ily = p]sonal1 family1 or h\sehold 
purposes1 :e!r or n su* obligation has  
be5 r$uc$ to judgm5t2  7,b7 to pay a    
loan1 ov]paym5t1 f9e1 p5alty1           
re/itution1 fee1 or o!r money curr5tly  
or orig9ally ow$ to or gu>ante$ by a    
,f$]al or ,/ate gov]nm5t1 includ+ any   
c\rts or ag5cies2 or  7,c7 :i* is secur$
 by real or p]sonal prop]ty t is us$ or 
0 obta9$ prim>ily = p]sonal1 family1 or 
h\sehold purposes1 :]e su* prop]ty is   
subject to =feiture or repossession ^u  
nonpaym5t ( ! obligation or alleg$      
obligation4  2 &  7#c7 9 p>agraph 7#f7--
 7,a7 by r$esignat+ subp>agraphs 7,a7   
?r\gh 7,f7 z clauses 7i7 ?r\gh 7vi71    
respectively2  7,b7 9 clause 7iii71 z s 
r$esignat$1 by ins]t+ 7n includ+ an     
indep5d5t contractor7 aft] any ,/ate2   
7,c7 by am5d+ clause 7vi71 z s          
r$esignat$1 to read z foll[s3  7vi7 any 
p]son collect+ or attempt+ to collect   
any debt ow$ or due or ass]t$ to be ow$ 
or due ano!r to ! ext5t su* activity--  
7,i7 is incid5tal to a bona fide        

fiduci>y obligation or a bona fide escr[
 arrangem5t2  7,,ii7 conc]ns a debt :i* 
0 orig9at$ by su* p]son2  7,,iii7       
conc]ns a debt :i* 0 n 9 default at ! "t
 x 0 obta9$ by su* p]son2 or  7,,iv7    
conc]ns a debt obta9$ by su* p]son z a  
secur$ p>ty 9 a comm]cial cr$it         
transaction involv+ ! cr$itor4  2  7,d7 
by /rik+ ! p>agraph designation & ! fir/
 & second s5t5ces & ins]t+ ! foll[+3    
7#f7 7,a7 ,! t]m debt collector means-- 
7i7 any p]son :o uses any in/rum5tality 
( int]/ate comm]ce or ! mails 9 any     
bus9ess ! pr9cipal purpose ( :i* is !   
collection ( any debts2  7ii7 any p]son 
:o regul>ly collects or attempts to     
collect1 directly or indirectly1 by !   
p]son's own means or by hir+ ano!r debt 
collector1 debts ow$ or due or ass]t$ to
 be ow$ or due ano!r or t h be5 obta9$  
by assignm5t or transf] f ano!r2  7iii7 
any p]son :o regul>ly collects debts    
curr5tly or orig9ally ow$ or alleg$ly   
ow$ to a ,f$]al or ,/ate ag5cy or c\rt2 
or  7iv7 not)/&+ subp>agraph 7,b77vi71  

any cr$itor :o 9 ! process ( collect+   
debts ( su* cr$itor1 uses ano!r "n t    
w\ld indicate t a ?ird p]son is collect+
 or attempt+ to collect su* debts4  2 & 
7,e7 9 ! f\r? s5t5ce1 by /rik+ ,! t]m   
does n include & ins]t+ ! foll[+3  7,b7 
,! t]m does n include  4  #fjc4 ,debt   
collection practices = debt collectors  
hir$ by ,f$]al ag5cies  7a7 ,9 g5]al ,! 
,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib et seq47 is am5d$  
by ins]t+ aft] section #hab 7#ae        
,u4,s4,c4 #afib;j7 ! foll[+3  #hab;,a4  
,debt collection practices = debt       
collectors hir$ by ,f$]al ag5cies  7a7  
,limitation on "t ,to turn debt ov] to  
debt collector ,a ,f$]al ag5cy t is a   
cr$itor may sell or transf] a debt      
describ$ 9 section #hjc7e77;,b7 to a    
debt collector n e>li] ?an #ij days aft]
 ! date on :i* ! obligation or alleg$   
obligation becomes del9qu5t or defaults4
  7b7 ,requir$ notice  7#a7 ,9 g5]al    
,be=e transf]r+ or sell+ a debt describ$
 9 section #hjc7e77;,b7 to a debt       

collector or contract+ ) a debt         
collector to collect su* a debt1 a      
,f$]al ag5cy %all notify ! consum] n    
few] ?an #c times t ! ,f$]al ag5cy w    
take su* action4  7#b7 ,frequ5cy (      
notifications ,! second & ?ird          
notifications describ$ 9 p>agraph 7#a7  
%all be made n less ?an #cj days aft] ! 
date on :i* ! previ\s notification is   
made4  4  7b7 ,cl]ical am5dm5t ,! table 
( cont5ts = ! ,fair ,debt ,collection   
,practices ,act is am5d$ by ins]t+ aft] 
! item relat+ to section #hab ! foll[+3 
#hab;,a4 ,debt collection practices =   
debt collectors hir$ by ,f$]al ag5cies4 
4  #fjd4 ,unfair practices ,section #hjh
 ( ! ,fair ,debt ,collection ,practices 
,act 7#ae ,u4,s4,c4 #afib;f7 is am5d$ by
 /rik+ p>agraph 7#a7 & ins]t+ ! foll[+3 
7#a7 ,! collection ( any am\nt 7includ+ 
any int]e/1 fee1 *>ge1 or exp5se        
incid5tal to ! pr9cipal obligation7     
unless-- 7,a7 su* am\nt is expressly    
au?oriz$ by ! agreem5t creat+ ! debt or 
p]mitt$ by law2 &  7,b7 9 ! case ( any  

am\nt *>g$ by a debt collector collect+ 
a debt describ$ 9 section #hjc7e77;,b71 
su* am\nt is-- 7i7 reasonable 9 relation
 to ! actual co/s ( ! collection2  7ii7 
au?oriz$ by a contract betwe5 ! debt    
collector & ! ,f$]al or ,/ate gov]nm5t2 
&  7iii7 n great] ?an #aj p]c5t ( !     
am\nt collect$ by ! debt collector4  4  
#fje4 ,,gao /udy & report  7a7 ,/udy ,! 
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all comm5ce a /udy on ! use ( debt     
collectors by ,f$]al1 ,/ate1 & local    
gov]nm5t ag5cies1 includ+-- 7#a7 ! p[]s 
giv5 to ! debt collectors by ,f$]al1    
,/ate1 & local gov]nm5t ag5cies2  7#b7 !
 contract+ process t all[s a ,f$]al1    
,/ate1 or local gov]nm5t ag5cy to aw>d  
debt collection to a c]ta9 company1     
includ+ ! selection process2  7#c7 any  
fees *>g$ to debtors 9 addition to      
pr9cipal & int]e/ on ! out/&+ debt2     
7#d7 h[ ! fees describ$ 9 p>agraph 7#c7 
v>y f ,/ate to ,/ate2  7#e7 consum]     
protection at ! ,/ate level t (f]       
rec\rse to ^? :om debts h be5 wrongfully

 attribut$2  7#f7 ! rev5ues receiv$ by  
debt collectors f ,f$]al1 ,/ate1 & local
 gov]nm5t ag5cies2  7#g7 ! am\nt ( any  
rev5ue %>+ agreem5ts betwe5 debt        
collectors & ,f$]al1 ,/ate1 & local     
gov]nm5t ag5cies2  7#h7 ! diff]5ce 9    
debt collection proc$ures across        
geographic regions1 includ+ ! ext5t to  
:i* debt collectors pursue c\rt judgm5ts
 to collect debts2  7#i7 in=mation      
reg>d+ ! am\nt collect$ by ,f$]al1      
,/ate1 & local gov]nm5t ag5cies ?r\gh   
debt collectors1 includ+ ! total am\nt &
 ! p]c5tage ( ! am\nt ref]r$ to ! debt  
collectors2  7#aj7 ! full co/ ( outs\rc+
 collection to debt collectors2  7#aa7  
gov]nm5t ag5cy ov]sight ( debt          
collectors to ensure t ! rights ( a     
consum] 7z def9$ 9 section #hjc7c7 ( !  
,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib;a7#c777 are        
protect$ & t any debt relief & paym5t   
options legally available to consum]s is
 effectively communicat$ & made         
available2  7#ab7 ! ext5t to :i* ,f$]al1

 ,/ate1 & local contracts ) debt        
collectors reflect or omit effective    
measures to enc\rage debt collectors to 
align _! practices ) public policy      
conc]ns 7includ+ relief = consum]s      
exp]i5c+ f9ancial h>d%ip7 beyond        
maximiz+ debt collection2  7#ac7 ! ext5t
 to :i* debt collectors induce paym5t   
?r\gh use or ?reat ( adv]se gov]nm5t    
actions1 su* z arre/ w>rants or         
susp5sion ( lic5ses or vehicle          
regi/ration2 &  7#ad7 demographic data1 
includ+ race & income in=mation1 reg>d+ 
! individuals subject to private        
collection ( debts ow$ to gov]nm5t      
entities4  7b7 ,report ,n lat] ?an "o   
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,comptroll] ,g5]al ( ! ,unit$ ,/ates   
%all submit to ,congress a report on !  
complet$ /udy requir$ "u subsection 7a74
  ,,vii ,debt ,collection ,practices    
,h>monization ,act  #gja4 ,%ort title   
,?is title may be cit$ z ! ,debt        
,collection ,practices ,h>monization    
,act4  #gjb4 ,aw>d ( damages  7a7       

,additional damages index$ = inflation  
7#a7 ,9 g5]al ,section #hac ( ! ,fair   
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afibk7 is am5d$-- 7,a7 9     
subsection 7a77#b7-- 7i7 9 subp>agraph  
7,a71 by /rik+ 2 or & ins]t+ ! foll[+3 )
 respect to any "o action tak5 by a debt
 collector 9 violation ( ?is sub*apt]2  
or2  7ii7 9 subp>agraph 7,b77ii71 by    
/rik+ or #a p] c5tum ( ! net wor? ( !   
debt collector2 & & ins]t+ ! foll[+3 or 
#e p]c5t ( ! gross annual rev5ue ( !    
debt collector2 &2  7,b7 9 subsection   
7b71 by ins]t+ ! maximum am\nt (        
/atutory damages at ! "t (              
noncompliance1 be=e ! frequ5cy ea* place
 x appe>s2 &  7,c7 by add+ at ! end !   
foll[+3  7f7 ,adju/m5t = inflation  7#a7
 ,initial adju/m5t ,n lat] ?an #ij days 
aft] ! date ( ! enactm5t ( ?is          
subsection1 ! ,bureau %all provide a    
p]c5tage increase 7r\nd$ to ! ne>e/     
multiple ( #ajj or #a1jjj1 z applicable7
 9 ! am\nts set =? 9 ?is section equal  
to ! p]c5tage by :i*-- 7,a7 ! ,consum]  

,price ,index = ,all ,urban ,consum]s   
7all items1 ,unit$ ,/ates city av]age7 =
 ! #ab-mon? p]iod end+ on ! ,june #cj   
prec$+ ! date on :i* ! p]c5tage increase
 is provid$1 exce$s  7,b7 ! ,consum]    
,price ,index = ! #ab-mon? p]iod prec$+ 
,janu>y #a1 #aigh4  7#b7 ,annual        
adju/m5ts ,) respect to any fiscal ye>  
beg9n+ aft] ! date ( ! increase provid$ 
"u p>agraph 7#a71 ! ,bureau %all provide
 a p]c5tage increase 7r\nd$ to ! ne>e/  
multiple ( #ajj or #a1jjj1 z applicable7
 9 ! am\nts set =? 9 ?is section equal  
to ! p]c5tage by :i*-- 7,a7 ! ,consum]  
,price ,index = ,all ,urban ,consum]s   
7all items1 ,unit$ ,/ates city av]age7 =
 ! #ab-mon? p]iod end+ on ! ,june #cj   
prec$+ ! beg9n+ ( ! fiscal ye> = :i* !  
increase is made1 exce$s  7,b7 !        
,consum] ,price ,index = ! #ab-mon?     
p]iod prec$+ ! #ab-mon? p]iod describ$ 9
 subp>agraph 7,a74  4  7#b7             
,applicability ,! increases made "u     
section #hac7;f7 ( ! ,fair ,debt        
,collection ,practices ,act1 z add$ by  

p>agraph 7#a77;,c7 ( ?is subsection1    
%all apply ) respect to failures to     
comply ) a provision ( su* ,act 7#ae    
,u4,s4,c4 #afja et seq47 occurr+ on or  
aft] ! date ( enactm5t ( ?is section4   
7b7 ,injunctive relief ,section #hac7;d7
 ( ! ,fair ,debt ,collection ,practices 
,act 7#ae ,u4,s4,c4 #afibk7d77 is am5d$ 
by add+ at ! end ! foll[+3 ,9 a civil   
action alleg+ a violation ( ?is title1 !
 c\rt may aw>d appropriate relief1      
includ+ injunctive relief44  #gjc4      
,prohibition on ! ref]ral ( em]g5cy     
individual assi/ance debt ,*apt] #c (   
title #ca1 ,unit$ ,/ates ,code1 is      
am5d$-- 7#a7 9 sub*apt] ,,ii1 by add+ at
 ! end ! foll[+3  #ccd4 ,prohibition on 
! ref]ral ( em]g5cy individual assi/ance
 debt ,) respect to any assi/ance       
provid$ by ! ,f$]al ,em]g5cy ,managem5t 
,ag5cy to an individual or h\sehold     
pursuant to ! ,rob]t ,t4 ,/af=d ,disa/] 
,relief & ,em]g5cy ,assi/ance ,act 7#db 
,u4,s4,c4 #eabb et seq471 if ! ,secret>y
 ( ! ,treasury seeks to rec\p any am\nt 

( su* assi/ance because ( an ov]paym5t1 
! ,secret>y may n contract ) any debt   
collector z def9$ 9 section #hjc7f7 ( ! 
,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib;a7#f77 or o!r      
private p>ty to collect su* am\nts1     
unless ! ov]paym5t occurr$ because (    
fraud or deceit & ! recipi5t ( su*      
assi/ance knew or %\ld h kn[n ab\t su*  
fraud or deceit4  2 &  7#b7 9 ! table ( 
cont5ts = su* *apt]1 by ins]t+ aft] !   
item relat+ to section #ccc ! foll[+3   
#ccd4 ,prohibition on ! ref]ral (       
em]g5cy individual assi/ance debt4  4   
,,viii ,non-,judicial ,=eclosure ,debt  
,collection ,cl>ification ,act  #hja4   
,%ort title ,?is title may be cit$ z !  
,non-,judicial ,=eclosure ,debt         
,collection ,cl>ification ,act4  #hjb4  
,en=cem5t ( security int]e/s ,section   
#hjc7f7 ( ! ,fair ,debt ,collection     
,practices ,act 7#ae ,u4,s4,c4          
#afib;a7#f77 is am5d$ by /rik+ ,= !     
purpose ( section #hjh7f71 su* t]m also 
includes any p]son :o uses any          

in/rum5tality ( int]/ate comm]ce or !   
mails 9 any bus9ess ! pr9cipal purpose (
 :i* is ! en=cem5t ( security int]e/s44 
,,ix ,effective ,date  #ija4 ,effective 
date ,?is ,act & ! am5dm5ts made by ?is 
,act %all take effect on ! date t is    
#ahj days aft] ! date ( enactm5t ( ?is  
,act4  ,april #cj1 #bjba,report$ ) an   
am5dm5t1 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
ord]$ to be pr9t$