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Fair Debt Collection Improvement Act
To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes.
Summary
This bill amends federal debt collection law to prohibit debt collectors from collecting or attempting to collect debts after the applicable statute of limitations has expired. The change adds a new protection that prevents collectors from pursuing old debts that consumers are no longer legally required to pay.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Cohen, Steve [D-TN-9] (D-TN)
Actions (2)
- Apr 8, 2025 Referred to the House Committee on Financial Services. · house
- Apr 8, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
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Full text
IN THE HOUSE OF REPRESENTATIVES
April 8, 2025
Mr. Cohen introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Fair Debt Collection Improvement Act”.
SEC. 2. PROHIBITION ON COLLECTING TIME-BARRED DEBT.
(a) In General.—The Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.) is amended by inserting after section 811 the following: “Sec. 811A. Prohibition on collecting time-barred debt “A debt collector may not collect, or attempt to collect, any debt of a consumer with respect to which the governing statute of limitations has expired.”.
(b) Clerical Amendment.—The table of contents for the Fair Debt Collection Practices Act is amended by inserting after the item relating to section 811 the following:
“811A. Prohibition on collecting time-barred debt.”. <all>
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