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H.R. 2572 117th Congress House

Stop Debt Collection Abuse Act of 2021

Official title: To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors.

Introduced: April 15, 2021 Introduced by: Emanuel Cleaver Democratic · Missouri See on congress.gov
Finance and Financial Sector Congressional oversightConsumer creditDebt collectionGovernment lending and loan guarantees
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This bill died when the 117th Congress ended
It never became law before the 117th Congress (2021–2022) 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
Apr 15, 2021
Referred to the House Committee on Financial Services.
Apr 15, 2021
Introduced in House
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 Latest action April 15, 2021

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Stop Debt Collection Abuse Act of 2021

This bill applies certain consumer protections regarding debt collection to debt owed to a federal agency and to debt buyers.

A federal agency that is a creditor may not sell or transfer a debt to a debt collector until 90 days after the obligation becomes delinquent or defaults. Specified notice to the consumer of such a sale or transfer is required.

A collector of debt owed to a federal agency may not collect any interest, fee, charge, or expense that is (1) unreasonable in relation to actual costs, (2) not authorized by a contract between the debt collector and the federal agency, or (3) greater than 10% of the amount collected.

The Government Accountability Office must report on the use of debt collectors by federal, state, and local government agencies.

 Related & companion bills 2
  • HR 4403 Reintroduction of Stop Debt Collection Abuse Act of 2019
  • HR 2547 Comprehensive Debt Collection Improvement Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 2572: Stop Debt Collection Abuse Act of 2021. 117th Congress. Open America. https://openamerica.io/bill/117-HR-2572/
MLA
"H.R. 2572: Stop Debt Collection Abuse Act of 2021." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-2572/.
Bluebook (legal)
H.R. 2572, 117th Cong. (2026), https://openamerica.io/bill/117-HR-2572/.
Markdown link
[H.R. 2572: Stop Debt Collection Abuse Act of 2021](https://openamerica.io/bill/117-HR-2572/)
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