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Restoring Consumer Protections Against Collection of Old, Time-Barred Debts

This resolution cancels a recent agency decision that changed how old debts are handled. It ensures that previous protections for consumers against unfair collection of expired debts remain in place.
Key points
Nullifies a recent rule change regarding time-barred debts.
Protects consumers from aggressive collection of debts past the legal time limit.
Reinstates previous standards for debt collector behavior.
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Status:
Introduced
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Additional Information
Print number: 119_SJRES_126
Sponsor: Sen. Kim, Andy [D-NJ]
Process start date: 2026-03-17
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-flash-latest
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt".

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_SJRES_126.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2026-03-17.

What are the main provisions?

Key points include:

  • Nullifies a recent rule change regarding time-barred debts.
  • Protects consumers from aggressive collection of debts past the legal time limit.
  • Reinstates previous standards for debt collector behavior.
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 Sen. Kim, Andy [D-NJ].

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 2026-03-19.

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