HR-2547 : Still Just a Bill

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.

Action Timeline

Action DateTypeTextSource
2021-05-17IntroReferralReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.Senate
2021-05-13FloorMotion to reconsider laid on the table Agreed to without objection.House floor actions
2021-05-13VoteOn passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).House floor actions
2021-05-13FloorThe previous question was ordered pursuant to the rule.House floor actions
2021-05-13FloorMotion to reconsider laid on the table. Agreed to without objection.House floor actions
2021-05-13FloorMotion to reconsider laid on the table. Agreed to without objection.House floor actions
2021-05-13FloorMotion to reconsider laid on the table. Agreed to without objection.House floor actions
2021-05-13FloorPOSTPONED 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.House floor actions
2021-05-13FloorDEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 10 minutes of debate on the Wagner amendment No. 9.House floor actions
2021-05-13FloorPOSTPONED 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.House floor actions
2021-05-13FloorDEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 2.House floor actions
2021-05-13FloorPOSTPONED 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.House floor actions
2021-05-13FloorDEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 1.House floor actions
2021-05-13FloorDEBATE - The House proceeded with one hour of debate on H.R. 2547.House floor actions
2021-05-13FloorRule 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.House floor actions
2021-05-13FloorConsidered under the provisions of rule H. Res. 380. (consideration: CR H2276-2295; text: CR H2276-2279)House floor actions
2021-05-11FloorRules 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.House floor actions
2021-04-30CalendarsPlaced on the Union Calendar, Calendar No. 10.House floor actions
2021-04-30CommitteeReported (Amended) by the Committee on Financial Services. H. Rept. 117-23.House floor actions
2021-04-21CommitteeOrdered to be Reported (Amended) by the Yeas and Nays: 30 - 23.House committee actions
2021-04-21CommitteeCommittee Consideration and Mark-up Session Held.House committee actions
2021-04-20CommitteeCommittee Consideration and Mark-up Session Held.House committee actions
2021-04-15IntroReferralReferred to the House Committee on Financial Services.House floor actions
2021-04-15IntroReferralIntroduced in HouseLibrary of Congress

Sponsor :

Rep. Waters, Maxine [D-CA-43]
See Cosponsors

Policy Area :

Finance and Financial Sector
See Subjects
  • 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
  • Infectious and parasitic diseases
  • Inflation and prices
  • Internet and video services
  • Internet, web applications, social media
  • Military personnel and dependents
  • Public contracts and procurement
  • Racial and ethnic relations
  • State and local government operations
  • Student aid and college costs
  • Telephone and wireless communication
  • User charges and fees

Related Bills

See Related Bills