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Enhanced Protection for Servicemembers Against Debt Collector Harassment

This bill strengthens protections for servicemembers and their families against unfair debt collection practices. It prohibits collectors from threatening rank reduction, security clearance revocation, or military prosecution due to debt. The aim is to provide financial peace of mind and security for those serving in the armed forces.
Key points
Debt collectors are prohibited from threatening servicemembers with rank reduction due to debt.
Threatening to revoke a servicemember's security clearance by debt collectors is forbidden.
Debt collectors cannot threaten servicemembers with prosecution under the Uniform Code of Military Justice for debt.
Protections extend to active servicemembers, their dependents, and those separated from service within the last 365 days.
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Status:
Expired
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Additional Information
Print number: 118_HR_5674
Sponsor: Rep. Dean, Madeleine [D-PA-4]
Process start date: 2023-09-22
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
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OFFICIAL LEGAL TITLE

Fair Debt Collection Practices for Servicemembers Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_5674.

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 2023-09-22.

What are the main provisions?

Key points include:

  • Debt collectors are prohibited from threatening servicemembers with rank reduction due to debt.
  • Threatening to revoke a servicemember's security clearance by debt collectors is forbidden.
  • Debt collectors cannot threaten servicemembers with prosecution under the Uniform Code of Military Justice for debt.
  • Protections extend to active servicemembers, their dependents, and those separated from service 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: 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 2025-12-25.

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.

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