| 1 | 1 | | I |
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| 2 | 2 | | 119THCONGRESS |
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| 3 | 3 | | 1 |
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| 4 | 4 | | STSESSION H. R. 2704 |
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| 5 | 5 | | To amend the Fair Debt Collection Practices Act to prohibit debt collectors |
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| 6 | 6 | | from collecting, or attempting to collect, on a debt of a consumer with |
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| 7 | 7 | | respect to which the statute of limitations has expired, and for other |
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| 8 | 8 | | purposes. |
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| 9 | 9 | | IN THE HOUSE OF REPRESENTATIVES |
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| 10 | 10 | | APRIL8, 2025 |
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| 11 | 11 | | Mr. C |
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| 12 | 12 | | OHENintroduced the following bill; which was referred to the Committee |
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| 13 | 13 | | on Financial Services |
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| 14 | 14 | | A BILL |
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| 15 | 15 | | To amend the Fair Debt Collection Practices Act to prohibit |
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| 16 | 16 | | debt collectors from collecting, or attempting to collect, |
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| 17 | 17 | | on a debt of a consumer with respect to which the |
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| 18 | 18 | | statute of limitations has expired, and for other purposes. |
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| 19 | 19 | | Be it enacted by the Senate and House of Representa-1 |
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| 20 | 20 | | tives of the United States of America in Congress assembled, 2 |
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| 21 | 21 | | SECTION 1. SHORT TITLE. 3 |
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| 22 | 22 | | This Act may be cited as the ‘‘Fair Debt Collection 4 |
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| 23 | 23 | | Improvement Act’’. 5 |
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| 24 | 24 | | VerDate Sep 11 2014 03:39 Apr 15, 2025 Jkt 059200 PO 00000 Frm 00001 Fmt 6652 Sfmt 6201 E:\BILLS\H2704.IH H2704 |
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| 25 | 25 | | kjohnson on DSK7ZCZBW3PROD with $$_JOB 2 |
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| 26 | 26 | | •HR 2704 IH |
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| 27 | 27 | | SEC. 2. PROHIBITION ON COLLECTING TIME-BARRED DEBT. 1 |
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| 28 | 28 | | (a) I |
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| 29 | 29 | | NGENERAL.—The Fair Debt Collection Prac-2 |
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| 30 | 30 | | tices Act (15 U.S.C. 1692 et seq.) is amended by inserting 3 |
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| 31 | 31 | | after section 811 the following: 4 |
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| 32 | 32 | | ‘‘§ 811A. Prohibition on collecting time-barred debt 5 |
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| 33 | 33 | | ‘‘A debt collector may not collect, or attempt to col-6 |
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| 34 | 34 | | lect, any debt of a consumer with respect to which the 7 |
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| 35 | 35 | | governing statute of limitations has expired.’’. 8 |
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| 36 | 36 | | (b) C |
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| 37 | 37 | | LERICALAMENDMENT.—The table of contents 9 |
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| 38 | 38 | | for the Fair Debt Collection Practices Act is amended by 10 |
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| 39 | 39 | | inserting after the item relating to section 811 the fol-11 |
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| 40 | 40 | | lowing: 12 |
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| 41 | 41 | | ‘‘811A. Prohibition on collecting time-barred debt.’’. |
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| 42 | 42 | | Æ |
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| 43 | 43 | | VerDate Sep 11 2014 03:39 Apr 15, 2025 Jkt 059200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6301 E:\BILLS\H2704.IH H2704 |
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| 44 | 44 | | kjohnson on DSK7ZCZBW3PROD with $$_JOB |
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