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Clarifications to the Fair Debt Collection Practices Act

Introduced: September 10, 2003 See on congress.gov
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 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 3, 2003
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Sep 10, 2003
Referred to the House Committee on Financial Services.
Sep 10, 2003
Introduced in House
 Plain-English summary Congressional Research Service

Clarifications to the Fair Debt Collection Practices Act - Amends the Fair Debt Collection Practices Act to state that formal pleadings in a civil action shall not be considered the kind of communication (initial or otherwise) required for a validation of debt notice.

Prescribes an alternative version of the initial communication debt collectors are required to give consumers, incorporating the three statements currently specified.

States that collection activities and communications may continue during the 30 days following a debt collector's initial notice to the debtor.

States that, if the consumer's attorney at law fails to respond to a communication from a debt collector within 30 days (currently, a reasonable period of time) after receiving a communication from the collector, such collector may communicate directly with the consumer.

Limits to one the number of additional communications a debt collector may make to a consumer after the consumer has notified the collector in writing that the consumer refuses to pay the debt or wishes the collector to cease further communication. Limits the content of any such additional communication to one of the three purposes already specified by the Act.

Revises notice of debt guidelines to require one of the debt collector's mandatory statements to specify that a consumer's dispute of the validity of a debt be submitted in writing in order to preclude an assumption by the collector that the debt is valid.

What's happening now October 3, 2003

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Committees of jurisdiction 2
 Cosponsors 3
All 3 Democratic 1 Republican 2