Skip to main content
HR 1711 104th Congress House Finance and Financial Sector Civil procedure Collection agencies Collection of accounts Commerce Consumer credit Consumer education Debtor and creditor Federal employees Federal officials Government Operations and Politics Government paperwork Law Lawyers Liability (Law) State laws State officials and employees

Fair Debt Collection Practices Amendments of 1995

Introduced: May 25, 1995 See on congress.gov
Sign in to write a letter Sign in to watch
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 2, 1995
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
May 25, 1995
Referred to the House Committee on Banking and Financial Services.
May 25, 1995
Introduced in House
 Plain-English summary Congressional Research Service

Amends the Fair Debt Collection Practices Act to make it a violation of such Act for the debt collector to fail to disclose the attempt to collect a debt in the first written communication with a consumer (currently, in all communications made to collect a debt).

Requires that the consumer notify the debt collector in writing of any dispute within thirty days of receiving a debt notice or the debt will automatically be considered valid. Allows the debt collector to: (1) demand payment of a debt, and attempt to collect it, within the thirty days after giving the consumer notice; and (2) obtain information concerning location, income, asset, or credit of the consumer from any person besides the consumer's lawyer if the lawyer refuses to provide such information.

Declares that such Act provides no remedy, liability, or penalty for violations of State law.

Excuses a debt collector from liability for violations of such Act resulting from the use of a form of written communication approved by any State or Federal agency.

Requires a court, in determining whether a debt collector has failed to comply with such Act, to consider the effect of any act or omission of the debt collector upon a reasonable person.

What's happening now June 2, 1995

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Committees of jurisdiction 2
 Cosponsors 2
All 2 Republican 2