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HR 2309 111th Congress House Finance and Financial Sector Administrative law and regulatory procedures Banking and financial institutions regulation Business ethics Civil actions and liability Consumer affairs Consumer credit Contracts and agency Federal Trade Commission (FTC) Motor vehicles Retail and wholesale trades User charges and fees

Consumer Credit and Debt Protection Act

Introduced: May 7, 2009 See on congress.gov
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 6 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 3, 2009
Forwarded by Subcommittee to Full Committee (Amended) by the Yeas and Nays: 16 - 9 .
Jun 3, 2009
Subcommittee Consideration and Mark-up Session Held.
May 12, 2009
Subcommittee Hearings Held.
May 7, 2009
Referred to the Subcommittee on Commerce, Trade and Consumer Protection.
May 7, 2009
Referred to the House Committee on Energy and Commerce.
May 7, 2009
Introduced in House
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 Plain-English summary Congressional Research Service

Consumer Credit and Debt Protection Act - Amends the Federal Trade Commission Act to give the Federal Trade Commission (FTC) authority to expedite rulemakings concerning consumer credit or debt.

Directs the FTC to examine the practices of providers of debt settlement services and prescribe rules necessary to prevent unfair and deceptive acts or practices by such providers.

Directs the FTC to examine the practices of automobile dealers with respect to credit and lending and prescribe rules necessary to prevent unfair and deceptive dealer acts or practices.

Gives the FTC authority to commence a civil action to recover a civil penalty in a U.S. district court against any person, partnership, or corporation which engages in any unfair or deceptive acts or practices in connection with consumer credit or debt with actual knowledge or knowledge fairly implied on the basis of objective circumstances that such act is unfair or deceptive.

Authorizes enforcement of this Act by state attorneys general.

What's happening now June 3, 2009

Forwarded by Subcommittee to Full Committee (Amended) by the Yeas and Nays: 16 - 9 .

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 2
All 2 Democratic 2
D
Matsui, Doris O.
California · May 7, 2009
 D
Schakowsky, Janice D.
Illinois · May 7, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2309: Consumer Credit and Debt Protection Act. 111th Congress. Open America. https://openamerica.io/bill/111-HR-2309/
MLA
"H.R. 2309: Consumer Credit and Debt Protection Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-2309/.
Bluebook (legal)
H.R. 2309, 111th Cong. (2026), https://openamerica.io/bill/111-HR-2309/.
Markdown link
[H.R. 2309: Consumer Credit and Debt Protection Act](https://openamerica.io/bill/111-HR-2309/)
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