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S 3565 116th Congress Senate Finance and Financial Sector Bankruptcy Cardiovascular and respiratory health Civil actions and liability Constitution and constitutional amendments Consumer credit Debt collection Disaster relief and insurance Emergency medical services and trauma care Infectious and parasitic diseases Interest, dividends, interest rates Public utilities and utility rates Small business

Small Business and Consumer Debt Collection Emergency Relief Act of 2020

Introduced: March 22, 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 22, 2020
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Mar 22, 2020
Introduced in Senate
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 Plain-English summary Congressional Research Service

Small Business and Consumer Debt Collection Emergency Relief Act of 2020

This bill places restrictions on the collection of consumer and small business debts during a major disaster or emergency, including during the COVID-19 (i.e., coronavirus disease 2019) emergency period. Among other things, debt collectors may not during such a period

  • enforce a security interest through a repossession or foreclosure,
  • commence or continue litigation to collect a debt,
  • terminate utility service,
  • seize assets,
  • commence or continue an eviction, or
  • charge fees or apply a higher interest rate as a result of nonpayment.

After such a period, debt collectors must provide certain repayment options including extending the repayment period for debts.

Violations of these provisions are subject to civil enforcement.

What's happening now March 22, 2020

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Related & companion bills 1
  • 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 3
All 3 Democratic 3
D
Merkley, Jeff
Oregon · May 12, 2020
 D
Booker, Cory A.
New Jersey · Mar 23, 2020
 D
Warren, Elizabeth
Massachusetts · Mar 23, 2020
Cite this page click to expand
APA
U.S. Congress. (2026). S. 3565: Small Business and Consumer Debt Collection Emergency Relief Act of 2020. 116th Congress. Open America. https://openamerica.io/bill/116-S-3565/
MLA
"S. 3565: Small Business and Consumer Debt Collection Emergency Relief Act of 2020." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-S-3565/.
Bluebook (legal)
S. 3565, 116th Cong. (2026), https://openamerica.io/bill/116-S-3565/.
Markdown link
[S. 3565: Small Business and Consumer Debt Collection Emergency Relief Act of 2020](https://openamerica.io/bill/116-S-3565/)
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