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Comprehensive Debt Collection Improvement Act: Enhanced Consumer Protections

This act introduces new rules for debt collection to better protect citizens, including small businesses, servicemembers, and students. The changes aim to reduce harassment, ensure greater transparency, and make it easier to manage debts, especially medical and student loans.
Key points
Increased protection against harassment by debt collectors, especially for servicemembers and their families.
Easier discharge of private student loans in cases of death or total and permanent disability.
New rules for medical debts: prohibition on reporting certain medical debts to credit bureaus and longer grace period before reporting.
Restrictions on unsolicited emails, text messages, and social media messages from debt collectors.
Prohibition on collecting time-barred debts.
Greater transparency in debt collectors' legal actions, including requirements for providing debt-related documents.
Temporary relief for private student loan borrowers during the COVID-19 pandemic, including a ban on reporting adverse information.
Creation of a consumer rights webpage for debt collection practices to help citizens understand their entitlements.
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51%
VOTING RESULTS
2021-05-13
For 215
Against 207
Abstain 0
Full voting results open_in_new
gavel
Status:
Expired
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Additional Information
Comprehensive Debt Collection Improvement Act
Print number: HR 2547
Sponsor: Rep. Waters, Maxine [D-CA-43]
Process start date: 2021-04-15
Voting date: 2021-05-13
Meeting no: 1
Voting no: 141
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 Comprehensive Debt Collection Improvement Act: Enhanced Consumer Protections

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 2547.

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 2021-04-15.

What are the main provisions?

Key points include:

  • Increased protection against harassment by debt collectors, especially for servicemembers and their families.
  • Easier discharge of private student loans in cases of death or total and permanent disability.
  • New rules for medical debts: prohibition on reporting certain medical debts to credit bureaus and longer grace period before reporting.
  • Restrictions on unsolicited emails, text messages, and social media messages from debt collectors.
  • Prohibition on collecting time-barred debts.
  • Greater transparency in debt collectors' legal actions, including requirements for providing debt-related documents.
  • Temporary relief for private student loan borrowers during the COVID-19 pandemic, including a ban on reporting adverse information.
  • Creation of a consumer rights webpage for debt collection practices to help citizens understand their entitlements.

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

Where is the official voting record?

The official roll call vote is recorded at: voting record

Who is the primary sponsor?

The primary sponsor is Rep. Waters, Maxine [D-CA-43].

What is the latest detailed status?

The latest detailed status is: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).

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 2547

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