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Protecting Servicemembers from Debt Collector Harassment

New rules protect servicemembers and their families from aggressive debt collection practices. Debt collectors cannot threaten rank reduction, security clearance revocation, or military prosecution. This also applies to individuals recently separated from service.
Key points
Prohibits debt collectors from threatening military rank reduction.
Prohibits debt collectors from threatening security clearance revocation.
Prohibits debt collectors from threatening military prosecution.
Protection extends to active servicemembers, their dependents, and those separated within the last 365 days.
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Status:
Expired
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Additional Information
Fair Debt Collection Practices for Servicemembers Act
Print number: HR 1491
Sponsor: Rep. Dean, Madeleine [D-PA-4]
Process start date: 2021-03-02
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Protecting Servicemembers from Debt Collector Harassment

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 1491.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-03-02.

What are the main provisions?

Key points include:

  • Prohibits debt collectors from threatening military rank reduction.
  • Prohibits debt collectors from threatening security clearance revocation.
  • Prohibits debt collectors from threatening military prosecution.
  • Protection extends to active servicemembers, their dependents, and those separated within the last 365 days.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Dean, Madeleine [D-PA-4].

What is the latest detailed status?

The latest detailed status is: Pursuant to section 6 of H. Res. 330, and the motion offered by Mr. Hoyer, the following bills passed under suspension of the rules: H.R. 367; H.R. 370; H.R. 396; H.R. 397, as amended; H.R. 408; H.R. 490; H.R. 965, as amended; H.R. 1251, as amended; H.R. 1395; H.R. 1491; H.R. 1528; H.R. 1532; H.R. 1565; H.R. 1602; and H.R. 2523, as amended; and the following resolution was agreed to under suspension of the rules: H. Res. 124, as amended. (consideration: CR H1979-1994; text: CR H1988)

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-27.

Analysis and Potential Impact of HR 1491

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

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