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H.R. 5287 116th Congress House

Fair Student Loan Debt Collection Practices Act

Official title: To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be… Show full official titleShow less

Official title: To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan, and for other purposes.

Introduced: June 24, 2020 See on congress.gov
Finance and Financial Sector Debt collectionGovernment lending and loan guaranteesStudent aid and college costs
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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
Dec 19, 2019
Referred to the Subcommittee on Antitrust, Commercial, and Administrative Law.
Dec 11, 2019
Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 24.
Dec 11, 2019
Committee Consideration and Mark-up Session Held.
Dec 10, 2019
Committee Consideration and Mark-up Session Held.
Dec 3, 2019
Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, and Education and Labor, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Dec 3, 2019
Introduced in House
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 Latest action December 19, 2019

Referred to the Subcommittee on Antitrust, Commercial, and Administrative Law.

 Plain-English summary Congressional Research Service

Fair Student Loan Debt Collection Practices Act

This bill prohibits a debt collector from collecting on federal student loan debt owed by a borrower earning under a certain income. Specifically, a federal student loan debt collector may not attempt to collect if a borrower would qualify for a zero-dollar payment under an income-driven repayment plan. Additionally, a debt collector may not attempt to collect an amount greater than the payment the borrower would owe under such a plan.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
 Cosponsors 1
All 1 Democratic 1
D
Pallone, Frank
New Jersey · Jun 24, 2020
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5287: Fair Student Loan Debt Collection Practices Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-5287/
MLA
"H.R. 5287: Fair Student Loan Debt Collection Practices Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-5287/.
Bluebook (legal)
H.R. 5287, 116th Cong. (2026), https://openamerica.io/bill/116-HR-5287/.
Markdown link
[H.R. 5287: Fair Student Loan Debt Collection Practices Act](https://openamerica.io/bill/116-HR-5287/)
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