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Stronger Protections Against Abusive Debt Lawsuits

This bill makes it harder for debt collectors to sue you without providing clear information. It requires them to give you detailed debt breakdowns and proof before taking you to court, giving you more time and information to understand and challenge the debt.
Key points
Debt collectors must provide detailed information about your debt, including its history and who owns it now.
They must send you a written warning 30-60 days before filing a lawsuit.
Lawsuits must include proof of the debt and who has the right to collect it.
Collectors must confirm the debt is still legally collectible before suing.
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Status:
Expired
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Additional Information
SCAM Debt Act
Print number: HR 1671
Sponsor: Rep. Bonamici, Suzanne [D-OR-1]
Process start date: 2021-03-09
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-04-17
Source data: api.congress.gov
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Summary & Status

Key Questions about Stronger Protections Against Abusive Debt Lawsuits

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 1671.

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 2021-03-09.

What are the main provisions?

Key points include:

  • Debt collectors must provide detailed information about your debt, including its history and who owns it now.
  • They must send you a written warning 30-60 days before filing a lawsuit.
  • Lawsuits must include proof of the debt and who has the right to collect it.
  • Collectors must confirm the debt is still legally collectible before suing.

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. Bonamici, Suzanne [D-OR-1].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

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 1671

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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