House Bill 2547
117th Congress(2021-2022)
Comprehensive Debt Collection Improvement Act
Active
Amendments
Passed House on May 13, 2021
Origin Chamber
House
Type
Bill
Bill
The primary form of legislative measure used to propose law. Depending on the chamber of origin, bills begin with a designation of either H.R. or S. Joint resolution is another form of legislative measure used to propose law.
Bill Number
2547
Congress
117
Policy Area
Finance and Financial Sector
Finance and Financial Sector
Primary focus of measure is U.S. banking and financial institutions regulation; consumer credit; bankruptcy and debt collection; financial services and investments; insurance; securities; real estate transactions; currency. Measures concerning financial crimes may fall under Crime and Law Enforcement. Measures concerning business and corporate finance may fall under Commerce policy area. Measures concerning international banking may fall under Foreign Trade and International Finance policy area.
checkPassed on May 13, 2021
Question
On Passage
Status
Passed
Type
Roll Call Vote
Roll Call Vote
A vote that records the individual position of each Member who voted. Such votes occurring on the House floor (by the "yeas and nays" or by "recorded vote") are taken by electronic device. The Senate has no electronic voting system; in such votes, Senators answer "yea" or "nay" as the clerk calls each name aloud. Each vote is compiled by clerks and receives a roll call number (referenced in Congress.gov as a "Record Vote" [Senate] or "Roll no." [House]).
Roll Call Type
Yea-And-Nay
Roll Number
141
House Roll Call Votes
No
Alabama
Alabama
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Alabama
Alabama
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Alabama
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Alabama
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Alabama
Alabama
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Alabama
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Alabama
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Alaska
Alaska
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Arizona
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Arkansas
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Arkansas
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California
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Colorado
Colorado
Didn't Vote
Colorado
Colorado
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Colorado
Colorado
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Colorado
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Colorado
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Colorado
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Colorado
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Connecticut
Connecticut
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Connecticut
Connecticut
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Connecticut
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Connecticut
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Connecticut
Connecticut
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Delaware
Delaware
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Florida
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Georgia
Georgia
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Georgia
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Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
Didn't Vote
Georgia
Georgia
Yes
Georgia
Georgia
Yes
Hawaii
Hawaii
Yes
Hawaii
Hawaii
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Idaho
Idaho
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Idaho
Idaho
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Illinois
Illinois
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Illinois
Illinois
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Indiana
Indiana
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Indiana
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Indiana
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Indiana
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Indiana
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Indiana
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Indiana
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Indiana
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Iowa
Iowa
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Iowa
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Kansas
Kansas
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Kansas
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Kansas
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Kentucky
Kentucky
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Kentucky
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Kentucky
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Kentucky
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Kentucky
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Kentucky
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Louisiana
Louisiana
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Louisiana
Louisiana
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Louisiana
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Louisiana
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Maine
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Maine
Maine
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Maryland
Maryland
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Maryland
Maryland
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Maryland
Maryland
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Maryland
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Maryland
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Maryland
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
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Massachusetts
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Massachusetts
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Michigan
Michigan
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Michigan
Michigan
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Michigan
Michigan
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Michigan
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Michigan
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Michigan
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Minnesota
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Minnesota
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Mississippi
Mississippi
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Mississippi
Mississippi
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Mississippi
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Mississippi
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Missouri
Missouri
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Missouri
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Montana
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Nebraska
Nebraska
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Nebraska
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Nebraska
Nebraska
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Nevada
Nevada
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Nevada
Nevada
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Nevada
Nevada
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Nevada
Nevada
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New Hampshire
New Hampshire
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New Hampshire
New Hampshire
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Mexico
New Mexico
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New Mexico
New Mexico
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
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New York
New York
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New York
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New York
New York
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North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
North Carolina
No
North Carolina
North Carolina
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North Carolina
North Carolina
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North Carolina
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North Carolina
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North Carolina
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North Dakota
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Ohio
Ohio
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Ohio
Ohio
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Ohio
Ohio
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Ohio
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Ohio
Ohio
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Ohio
Ohio
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Ohio
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Ohio
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Ohio
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Ohio
Ohio
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Ohio
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Ohio
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Oklahoma
Oklahoma
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Oklahoma
Oklahoma
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Oklahoma
Oklahoma
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Oklahoma
Oklahoma
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Oklahoma
Oklahoma
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Oregon
Oregon
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Oregon
Oregon
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Oregon
Oregon
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Oregon
Oregon
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Oregon
Oregon
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Pennsylvania
Pennsylvania
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Pennsylvania
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Rhode Island
Rhode Island
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Rhode Island
Rhode Island
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South Carolina
South Carolina
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Didn't Vote
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South Carolina
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South Dakota
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Tennessee
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Texas
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Utah
Utah
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Utah
Utah
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Utah
Utah
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Utah
Utah
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Vermont
Vermont
Yes
Virginia
Virginia
No
Virginia
Virginia
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Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
No
Virginia
Virginia
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Virginia
Virginia
Yes
Washington
Washington
No
Washington
Washington
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Washington
Washington
Yes
Washington
Washington
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Washington
Washington
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Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
No
West Virginia
West Virginia
No
West Virginia
West Virginia
No
West Virginia
West Virginia
No
Wisconsin
Wisconsin
No
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
No
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
No
Wisconsin
Wisconsin
No
Wisconsin
Wisconsin
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Wyoming
Wyoming
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.
May 17, 2021
May 13, 2021
April 30, 2021
April 15, 2021
Amendments (4)
Displaying only amendments with a detailed public record (3)
May 13, 2021
Not Agreed to in House
1
Sponsorship
House Amendment 48
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.
Active
May 13, 2021
Not Agreed to in House
1
Sponsorship
House Amendment 47
Amendments en bloc No. 2 comprised of amendments numbered 4 and 8, printed in Part B of House Report 117-29.
Active
May 13, 2021
Agreed to in House
1
Sponsorship
House Amendment 46
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.
Agreed To
Sort by most recent
05/17/2021
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
05/13/2021
Motion to reconsider laid on the table Agreed to without objection.
05/13/2021
On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
05/13/2021
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 215 - 207 (Roll no. 141).
05/13/2021
The previous question was ordered pursuant to the rule.
05/13/2021
Motion to reconsider laid on the table. Agreed to without objection.
05/13/2021
POSTPONED PROCEEDINGS - At the conclusion of debate on the Wagner amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
05/13/2021
DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 10 minutes of debate on the Wagner amendment No. 9.
05/13/2021
POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 2, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
05/13/2021
DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 2.
05/13/2021
POSTPONED PROCEEDINGS - At the conclusion of debate on the Waters amendment en bloc No. 1, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. Wagner demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
05/13/2021
DEBATE - Pursuant to the provisions of H. Res. 380, the House proceeded with 20 minutes of debate on the Waters amendment en bloc No. 1.
05/13/2021
DEBATE - The House proceeded with one hour of debate on H.R. 2547.
05/13/2021
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.
05/13/2021
Considered under the provisions of rule H. Res. 380. (consideration: CR H2276-2295; text: CR H2276-2279)
05/11/2021
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.
04/30/2021
Placed on the Union Calendar, Calendar No. 10.
04/30/2021
Reported (Amended) by the Committee on Financial Services. H. Rept. 117-23.
04/21/2021
Ordered to be Reported (Amended) by the Yeas and Nays: 30 - 23.
04/21/2021
Committee Consideration and Mark-up Session Held.
04/20/2021
Committee Consideration and Mark-up Session Held.
04/15/2021
Referred to the House Committee on Financial Services.
04/15/2021
Introduced in House
Public Record
Record Updated
Mar 8, 2023 8:26:35 PM