UCLA Presents voteview.com beta 3
117th Congress > House > Vote 137
Clerk session vote number: 138
Sponsor: WATERS, Maxine (D-CA)
Description: Waters of California Part B Amendment En Bloc No. 1
Bill 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, to states, to debt buyers, and to businesses engaged in nonjudicial foreclosures.
It also prohibits certain loan conditions that limits 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.
Bill titles: To expand and enhance consumer, student, servicemember, and small business protections with respect to debt collection practices, and for other purposes.
Links for more info on the vote: congress.gov
