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Prohibition on Collecting Time-Barred Debts: Enhanced Consumer Protection

This new law prevents debt collectors from attempting to collect debts that are past their legal statute of limitations. If the time limit for pursuing a debt in court has expired, collectors are no longer allowed to demand payment. This aims to protect citizens from unfair practices and pressure regarding old financial obligations.
Key points
Debt collectors are prohibited from attempting to collect debts for which the statute of limitations has expired.
Consumers are protected from pressure to pay debts that can no longer be legally pursued in court.
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Status: Introduced
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Additional Information
Print number: 119_HR_2704
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2025-04-08
System Note: Lustra is free, publicly auditable civic infrastructure — 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
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Fair Debt Collection Improvement Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_2704.

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 2025-04-08.

What are the main provisions?

Key points include:

  • Debt collectors are prohibited from attempting to collect debts for which the statute of limitations has expired.
  • Consumers are protected from pressure to pay debts that can no longer be legally pursued in court.
What is the specific legal status?

The current status is Introduced.

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. Cohen, Steve [D-TN-9].

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 2025-12-22.

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

Courts and Law Economy