United States · Bill · HR
H.R. 2547 (117th)
Comprehensive Debt Collection Improvement Act
Introduced
15 April 2021
Last action
17 May 2021 · Introduced
Status
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sponsors
Rep. Waters, Maxine [D-CA-43], Rep. Meeks, Gregory W. [D-NY-5], Rep. Dean, Madeleine [D-PA-4], Rep. Cleaver, Emanuel [D-MO-5], Rep. Velázquez, Nydia M. [D-NY-7], Rep. Auchincloss, Jake [D-MA-4], Rep. Pressley, Ayanna [D-MA-7], Rep. Tlaib, Rashida [D-MI-12]
Subjects
Discovery layer
Source updated
28 May 2025
Summary
Comprehensive Debt Collection Improvement Act This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities. Regarding additional consumer protections, the bill expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability; prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures. It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default. Additionally, the bill restricts debt collectors and debt collection practices by prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action, and limiting a debt collector's electronic communications with a debtor without the debtor's permission.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
15 April 2021
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
15 April 2021
Introduced
Introduced in House
Source: IntroReferral
15 April 2021
Introduced
Introduced in House
Source: IntroReferral
20 April 2021
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
21 April 2021
Vote
Ordered to be Reported (Amended) by the Yeas and Nays: 30 - 23.
Source: Committee
21 April 2021
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
30 April 2021
Calendars
Placed on the Union Calendar, Calendar No. 10.
Source: Calendars
30 April 2021
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
Source: Committee
30 April 2021
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
Source: Committee
11 May 2021
Reported
Rules Committee Resolution H. Res. 380 Reported to House. Rule provides for consideration of H.R. 2547 and H.R. 1065. Measure will be considered read. Specified amendments are in order. The previous question on each measure is considered ordered without intervening motions except one hour of debate and a motion to recommit. H. Res. 379 is adopted.
Source: Floor
13 May 2021
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
13 May 2021
Vote
On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
Source: Floor
13 May 2021
Vote
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
Source: Floor
13 May 2021
Floor
The previous question was ordered pursuant to the rule.
Source: Floor
13 May 2021
Floor
Rule provides for consideration of H.R. 2547 and H.R. 1065. Measure will be considered read. Specified amendments are in order. The previous question on each measure is considered ordered without intervening motions except one hour of debate and a motion to recommit. H. Res. 379 is adopted.
Source: Floor
13 May 2021
Floor
Considered under the provisions of rule H. Res. 380. (consideration: CR H2276-2295; text: CR H2276-2279)
Source: Floor
17 May 2021
Introduced
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral
Votes
13 May 2021 · passed · On Passage · Passed · Official source
Yes 215 · No 207 · Abstain — · Absent/not voting 8
- Rep. Ferguson, A. Drew, IV [R-GA-3]Nay
- Rep. McEachin, A. Donald [D-VA-4]Yea
- Rep. Spanberger, Abigail Davis [D-VA-7]Yea
- Rep. Kinzinger, Adam [R-IL-16]Nay
Showing the first 4 recorded positions. Vote totals above are complete.
Versions
- Referred in Senate · 17 May 2021 · Download file
- Engrossed in House · 13 May 2021 · Download file
- Reported in House · 30 April 2021 · Download file
- Introduced in House · 15 April 2021 · Download file
Documents
11 official files
Referred in Senate (text)
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Referred in Senate (text)
Referred in Senate · EN · 17 May 2021
Referred in Senate (PDF)
Referred in Senate · EN · 17 May 2021
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Engrossed in House (text)
Engrossed in House · EN · 13 May 2021
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Engrossed in House (PDF)
Engrossed in House · EN · 13 May 2021
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Passed House
summary · EN · 13 May 2021
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Reported in House (text)
Reported in House · EN · 30 April 2021
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Reported in House (PDF)
Reported in House · EN · 30 April 2021
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Reported to House
summary · EN · 30 April 2021
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Introduced in House (text)
Introduced in House · EN · 15 April 2021
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Introduced in House (PDF)
Introduced in House · EN · 15 April 2021
ViewDownloadOpen at official source
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Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House
summary · EN · 15 April 2021
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Sponsors
- Rep. Waters, Maxine [D-CA-43] · D · Sponsor
- Rep. Meeks, Gregory W. [D-NY-5] · D · Sponsor
- Rep. Dean, Madeleine [D-PA-4] · D · Sponsor
- Rep. Cleaver, Emanuel [D-MO-5] · D · Sponsor
- Rep. Velázquez, Nydia M. [D-NY-7] · D · Sponsor
- Rep. Auchincloss, Jake [D-MA-4] · D · Sponsor
- Rep. Pressley, Ayanna [D-MA-7] · D · Sponsor
- Rep. Tlaib, Rashida [D-MI-12] · D · Sponsor
- · ssbk00 · Standing
- · hsba00 · Standing
Related records
- related to → Ending Debt Collection Harassment Act of 2021
- related to → Small Business Lending Fairness Act
- related to → Fair Debt Collection Improvement Act
- related to → Non-Judicial Foreclosure Debt Collection Clarification Act
- related to → Private Loan Disability Discharge Act of 2021
- related to → Consumer Protection for Medical Debt Collections Act
- related to → Small Business Lending Fairness Act
- related to → Stop Debt Collection Abuse Act of 2021
- related to ← Ryan Frascone Memorial Student Loan Relief Act of 2021
- related to ← Providing for consideration of the bill (H.R. 2547) to expand and enhance consumer, student, servicemember, and small business protections with respect to debt collection practices, and for other purposes; providing for consideration of the bill (H.R. 1065) to eliminate discrimination and promote womens health and economic security by ensuring reasonable workplace accommodations for workers whose ability to perform the functions of a job are limited by pregnancy, childbirth, or a related medical condition; and for other purposes.
- related to ← Ryan Frascone Memorial Student Loan Relief Act of 2021
- amends ← Pursuant to the provisions of H. Res. 380, the amendment in the nature of a substitute recommended by the Committee on Financial Services, modified by the amendment printed in part A of House Report 117-29 is adopted.
- amends ← Amendments en bloc No. 1 comprised of amendments numbered 1, 2, 3, 5, 6, 7, 10, 11, 12, 13, and 14, printed in Part B of House Report 117-29.
- amends ← Amendments en bloc No. 2 comprised of amendments numbered 4 and 8, printed in Part B of House Report 117-29.
- amends ← Amendment sought to replace the underlying bill with targeted approaches to improve the debt collection and credit reporting framework which would ensure the financial system remains safe and sound while protecting and introducing options for consumers.
Showing 15 of 16 related records.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/117th-congress/house-bill/2547
- Open data entity: https://api.congress.gov/v3/bill/117/hr/2547
- us · 117-hr-2547 · source updated 28 May 2025