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Stronger Protection for Servicemembers Against Debt Collector Harassment and Threats.

This law enhances protection for active servicemembers, their dependents, and recent veterans (up to one year post-service) against aggressive debt collection tactics. Debt collectors are explicitly banned from threatening military personnel with consequences related to their service, such as rank reduction or loss of security clearance. The goal is to safeguard the financial stability and military careers of citizens serving in the armed forces.
Key points
Debt collectors are prohibited from threatening servicemembers with reduction in rank or revocation of security clearance to collect a debt.
Collectors cannot threaten servicemembers with prosecution under the Uniform Code of Military Justice (UCMJ) over unpaid debts.
These protections cover active duty personnel, their families, and individuals discharged within the previous 365 days.
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Additional Information
Print number: 118_S_2396
Sponsor: Sen. Warnock, Raphael G. [D-GA]
Process start date: 2023-07-19
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Summarized by: gemini-2.5-flash-preview-09-2025
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_S_2396.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2023-07-19.

What are the main provisions?

Key points include:

  • Debt collectors are prohibited from threatening servicemembers with reduction in rank or revocation of security clearance to collect a debt.
  • Collectors cannot threaten servicemembers with prosecution under the Uniform Code of Military Justice (UCMJ) over unpaid debts.
  • These protections cover active duty personnel, their families, and individuals discharged within the previous 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 Sen. Warnock, Raphael G. [D-GA].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-26.

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