What is the official ID of this bill?

The official print number for this legislation is HR 2135.

When did the legislative process begin?

The process officially started on 2021-03-23.

Where can I read the full text of this legislation?

The full official text is available at: https://www.congress.gov/117/bills/hr2135/BILLS-117hr2135ih.htm

Is this summary verified?

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

Who is the primary sponsor?

The primary sponsor is Rep. Cohen, Steve [D-TN-9].

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What is the latest detailed status?

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

Analysis and Potential Impact of HR 2135

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.

Protection from Old Debts: No Collection of Time-Barred Claims.

Q: What are the main provisions?

Key points include: Prohibits debt collectors from collecting time-barred debts. Increases consumer protection against unfair debt collection practices.

This act aims to protect citizens from debt collectors attempting to recover debts for which the legal collection period has expired. Thanks to this, collectors will not be able to harass people about debts that are already time-barred. This means greater financial security and peace of mind for many individuals.

Key points

Prohibits debt collectors from collecting time-barred debts.

Increases consumer protection against unfair debt collection practices.

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Status:

Expired

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Additional Information

Fair Debt Collection Improvement Act

Print number: HR 2135

Sponsor: Rep. Cohen, Steve [D-TN-9]

Process start date: 2021-03-23

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

AI work logs for this document launch

Protection from Old Debts: No Collection of Time-Barred Claims.

Key Questions about Protection from Old Debts: No Collection of Time-Barred Claims.