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HR 6423 116th Congress House Finance and Financial Sector Cardiovascular and respiratory health Civil actions and liability Consumer credit Debt collection Emergency medical services and trauma care Infectious and parasitic diseases Interest, dividends, interest rates Small business Social work, volunteer service, charitable organizations

To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes.

Introduced: March 31, 2020 See on congress.gov
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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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 31, 2020
Referred to the House Committee on Financial Services.
Mar 31, 2020
Introduced in House
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 Plain-English summary Congressional Research Service

This bill places restrictions on the collection of debt owed by a consumer, nonprofit organization, or small business during the COVID-19 (i.e., coronavirus disease 2019) emergency period and the following 120 days. Among other things, debt collectors may not during this period

  • charge fees or apply a higher interest rate as a result of nonpayment,
  • commence or continue litigation to collect a debt,
  • enforce a security interest through a repossession or foreclosure,
  • report past due debt to a credit reporting agency,
  • seize assets, or
  • terminate utility service.

The bill also prohibits during this period a confession of judgment or similar agreement as a condition to a loan or extension of credit. (A confession of judgment is an agreement to a judgment of liability without notice and opportunity to be heard in court in the event of the default of a borrower.)

What's happening now March 31, 2020

Referred to the House Committee on Financial Services.

 Related & companion bills 2
  • HR 6321 Related bill Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act
  • HR 6379 Related bill Workforce Emergency Response Act of 2020
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 2
All 2 Democratic 2
D
Pressley, Ayanna
Massachusetts · May 8, 2020
 D
Waters, Maxine
California · May 8, 2020
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 6423: To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes.. 116th Congress. Open America. https://openamerica.io/bill/116-HR-6423/
MLA
"H.R. 6423: To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes.." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-6423/.
Bluebook (legal)
H.R. 6423, 116th Cong. (2026), https://openamerica.io/bill/116-HR-6423/.
Markdown link
[H.R. 6423: To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes.](https://openamerica.io/bill/116-HR-6423/)
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