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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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Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_2704
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2025-04-08
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Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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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.

CATEGORIES

Courts and Law Economy