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Protecting Small Businesses from Unfair Debt Collection Practices

This act extends existing consumer protection laws against unfair debt collection practices to small businesses. It means small businesses with debts under $5 million will have the same rights and protections as individuals when dealing with debt collectors. The goal is to ensure fair treatment for small business owners.
Key points
Small businesses (with debts up to $5 million) gain the same protection from unfair debt collectors as consumers.
The act defines what constitutes small business debt, excluding personal and individual debts.
It introduces a definition for commercial credit bureaus, impacting how debt information is reported.
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Status:
Expired
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Additional Information
Print number: 117_HR_6814
Sponsor: Rep. Lawson, Al, Jr. [D-FL-5]
Process start date: 2022-02-22
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

OFFICIAL LEGAL TITLE

Small Business Fair Debt Collection Protection Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_6814.

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 2022-02-22.

What are the main provisions?

Key points include:

  • Small businesses (with debts up to $5 million) gain the same protection from unfair debt collectors as consumers.
  • The act defines what constitutes small business debt, excluding personal and individual debts.
  • It introduces a definition for commercial credit bureaus, impacting how debt information is reported.
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. Lawson, Al, Jr. [D-FL-5].

What is the latest detailed status?

The latest detailed status is: Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 24.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

What is the impact of this bill?

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.

CATEGORIES

Economy Courts and Law