HR 2547
117th Congress
House
Finance and Financial Sector
Bankruptcy
Business ethics
Cardiovascular and respiratory health
Civil actions and liability
Congressional oversight
Consumer credit
Debt collection
Disaster relief and insurance
Education of the disadvantaged
Emergency medical services and trauma care
Federal Reserve System
Government Accountability Office (GAO)
Government information and archives
Government lending and loan guarantees
Government studies and investigations
Health care costs and insurance
Health care coverage and access
Health information and medical records
Higher education
Comprehensive Debt Collection Improvement Act
Introduced: April 15, 2021
Introduced by:
Waters, Maxine
Democratic
· California
See on congress.gov
Everywhere this bill has been
23 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 17, 2021
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 13, 2021
Motion to reconsider laid on the table Agreed to without objection.
May 13, 2021
On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
May 13, 2021
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
May 13, 2021
The previous question was ordered pursuant to the rule.
May 13, 2021
Motion to reconsider laid on the table. Agreed to without objection.
May 13, 2021
POSTPONED PROCEEDINGS - At the conclusion of debate on the Wagner amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
May 13, 2021
DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 10 minutes of debate on the Wagner amendment No. 9.
May 13, 2021
POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 2, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
May 13, 2021
DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 2.
May 13, 2021
POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 1, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
May 13, 2021
DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 1.
May 13, 2021
DEBATE - The House proceeded with one hour of debate on H.R. 2547.
May 13, 2021
Rule provides for consideration of H.R. 2547 and H.R. 1065. Measure will be considered read. Specified amendments are in order. The previous question on each measure is considered ordered without intervening motions except one hour of debate and a motion to recommit. H. Res. 379 is adopted.
May 13, 2021
Considered under the provisions of rule H. Res. 380. (consideration: CR H2276-2295; text: CR H2276-2279)
May 11, 2021
Rules Committee Resolution H. Res. 380 Reported to House. Rule provides for consideration of H.R. 2547 and H.R. 1065. Measure will be considered read. Specified amendments are in order. The previous question on each measure is considered ordered without intervening motions except one hour of debate and a motion to recommit. H. Res. 379 is adopted.
Apr 30, 2021
Placed on the Union Calendar, Calendar No. 10.
Apr 30, 2021
Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
Apr 21, 2021
Ordered to be Reported (Amended) by the Yeas and Nays: 30 - 23.
Apr 21, 2021
Committee Consideration and Mark-up Session Held.
Apr 20, 2021
Committee Consideration and Mark-up Session Held.
Apr 15, 2021
Referred to the House Committee on Financial Services.
Apr 15, 2021
Introduced in House
Votes taken on this bill
1
| Date | Chamber | What was voted on | Result | Yes–No | |
|---|---|---|---|---|---|
| May 13, 2021 | House · vote #141 | On Passage | Passed | 215–207 | See who voted → |
Plain-English summary
Comprehensive Debt Collection Improvement Act
This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities.
Regarding additional consumer protections, the bill
- expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability;
- prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and
- applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures.
It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default.
Additionally, the bill restricts debt collectors and debt collection practices by
- prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action, and
- limiting a debt collector's electronic communications with a debtor without the debtor's permission.
What's happening now
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Committees of jurisdiction
2