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Fair Debt Collection Improvement Act This bill prohibits a debt collector from collecting a consumer debt if the applicable statute of limitations has expired.

Debt Collection Practices Harmonization Act This bill applies certain consumer protections regarding debt collection to debt owed to a state. It also specifies that existing limits on civil damages awarded for abusive practices by a debt collector must be adjusted for inflation. A court may award injunctive relief for certain debt collection violations. The Department of the Treasury may not contract with any debt collector or other private party to recoup overpayments of certain disaster assistance made to an individual or household by the Federal Emergency Management Agency (FEMA), except in cases of fraud or deceit.

Small Business Fair Debt Collection Protection Act This bill applies consumer debt collection protections to small businesses, including protections regarding debt collection methods and third-party debt collection.

Small Business Fair Debt Collection Protection Act This bill applies consumer debt collection protections to small businesses, including protections regarding debt collection methods and third-party debt collection.

Stop Debt Collection Abuse Act of 2019 This bill applies certain consumer protections regarding debt collection to debt owed to a federal agency and to debt buyers. A federal agency that is a creditor may not sell or transfer a debt to a debt collector until 90 days after the obligation arises. Specified notice to the consumer of such a sale or transfer is required. A collector of debt owed to a federal agency may not collect any interest, fee, charge, or expense that is (1) unreasonable in relation to actual costs, (2) not authorized by a contract between the debt collector and the federal agency, or (3) greater than 10% of the amount collected. The Government Accountability Office shall report on the use of debt collectors by federal, state, and local government agencies.

Stop Debt Collection Abuse Act of 2019 This bill applies certain consumer protections regarding debt collection to debt owed to a federal agency and to debt buyers. A federal agency that is a creditor may not sell or transfer a debt to a debt collector until 90 days after the obligation becomes delinquent or defaults. Specified notice to the consumer of such a sale or transfer is required. A collector of debt owed to a federal agency may not collect any interest, fee, charge, or expense that is (1) unreasonable in relation to actual costs, (2) not authorized by a contract between the debt collector and the federal agency, or (3) greater than 10% of the amount collected. The Government Accountability Office must report on the use of debt collectors by federal, state, and local government agencies.

Fair Student Loan Debt Collection Practices Act This bill prohibits a debt collector from collecting on federal student loan debt owed by a borrower earning under a certain income. Specifically, a federal student loan debt collector may not attempt to collect if a borrower would qualify for a zero-dollar payment under an income-driven repayment plan. Additionally, a debt collector may not attempt to collect an amount greater than the payment the borrower would owe under such a plan.

Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency (1) medical debt arising from a medically necessary procedure, or (2) other medical debt less than a year old. A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports. Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.

Non-Judicial Foreclosure Debt Collection Clarification Act This bill applies requirements for debt collectors to businesses engaged in nonjudicial foreclosures (i.e., the enforcement of security interests). These requirements include debt verification and prohibitions on the means of debt collection.

Monitoring and Curbing Abusive Debt Collection Practices Act This bill prohibits the Consumer Financial Protection Bureau (CFPB) from issuing rules that allow a debt collector to send unlimited electronic communications to a consumer. Additionally, the CFPB must report on consumer complaints about debt collection and enforcement actions taken against debt collectors.

Ending Debt Collection Harassment Act of 2019 This bill prohibits a debt collector from sending electronic communications to a consumer without the consumer's consent. The Consumer Financial Protection Bureau (CFPB) may not issue rules that allow a debt collector to send unlimited electronic communications. Additionally, the CFPB must report on consumer complaints about electronic communications and enforcement actions taken against debt collectors.

Fair Debt Collection Practices for Servicemembers Act This bill prohibits a debt collector from representing to servicemembers that failure to cooperate with a debt collector will result in a reduction of rank, a revocation of security clearance, or military prosecution. The Government Accountability Office must report on the impact of this prohibition on the timely delivery of information to servicemembers, military readiness, and national security.

Small Business and Consumer Debt Collection Emergency Relief Act of 2020 This bill places restrictions on the collection of consumer and small business debts during a major disaster or emergency, including during the COVID-19 (i.e., coronavirus disease 2019) emergency period. Among other things, debt collectors may not during such a period * enforce a security interest through a repossession or foreclosure, * commence or continue litigation to collect a debt, * terminate utility service, * seize assets, * commence or continue an eviction, or * charge fees or apply a higher interest rate as a result of nonpayment. After such a period, debt collectors must provide certain repayment options including extending the repayment period for debts. Violations of these provisions are subject to civil enforcement.

This bill places restrictions on the collection of debt owed by a consumer, nonprofit organization, or small business during the COVID-19 (i.e., coronavirus disease 2019) emergency period and the following 120 days. Among other things, debt collectors may not during this period * charge fees or apply a higher interest rate as a result of nonpayment, * commence or continue litigation to collect a debt, * enforce a security interest through a repossession or foreclosure, * report past due debt to a credit reporting agency, * seize assets, or * terminate utility service. The bill also prohibits during this period a confession of judgment or similar agreement as a condition to a loan or extension of credit. (A confession of judgment is an agreement to a judgment of liability without notice and opportunity to be heard in court in the event of the default of a borrower.)

Securing Consumers Against Misrepresented Debt Act of 2020 or the SCAM Debt Act This bill provides additional requirements for debt collectors when taking legal action to collect a debt. Among other things, debt collectors must provide advance notice to the consumer of the intent to take legal action, and provide in the initial pleading certain evidence regarding the debt and a sworn affidavit stating that the statute of limitations has not expired. The bill also sets forth additional information a debt collector must provide to a consumer regarding the debt.

Fair Medical Debt Reporting Act This bill prohibits credit reporting agencies from including certain medical debt on a consumer report. Specifically, agencies may not include on a report medical debt that has not been placed for collection, medical debt that was placed for collection within a year prior to the report, or medical debt fully paid or settled within a certain period of time. Before a person provides information regarding a consumer's medical debt to a credit reporting agency, that person must notify the consumer of the restrictions regarding the reporting of medical debt and provide the consumer with details regarding the medical debt.

Veteran Debt Relief During COVID-19 Act of 2020 This bill defers certain debts arising from benefits under laws administered by the Department of Veterans Affairs (VA) during the covered period, which is the COVID-19 (i.e., coronavirus disease 2019) emergency period plus the 60 days following the end of such period. Specifically, the bill prohibits the VA from doing the following during the covered period: * collecting or recording certain debts, * issuing notice of certain debts to a person or consumer reporting agency, * allowing any interest to accrue on certain debts, or * applying any administrative fee to certain debts. The VA may collect a payment from a person who elects to make such payment during the covered period.

Suspend School Meal Debt Act This bill directs the Department of Agriculture to reimburse each school food authority and local educational agency participating in the National School Lunch Program or the School Breakfast Program for unpaid meal fees owed to the authority or agency as of the date of the enactment of this bill. The bill also prohibits each school food authority and local educational agency from collecting unpaid meal fees or using a debt collector to collect such fees during the COVID-19 (i.e., coronavirus disease 2019) public health emergency. The prohibition ends 30 days after the date on which the public health emergency is terminated.

Suspend School Meal Debt Act of 2020 This bill prohibits each school food authority and local educational agency participating in the National School Lunch Program or the School Breakfast Program from collecting unpaid school meal fees (including late fees associated with unpaid meals) or using a debt collector to collect such fees during the COVID-19 (i.e., coronavirus disease 2019) public health emergency. The prohibition ends 30 days after the date on which the public health emergency is terminated. Additionally, the Department of Agriculture must reimburse each school food authority and local educational agency participating in either program for unpaid meal fees (including late fees associated with unpaid meals) owed to the authority or agency as of the date of the enactment of this bill.

Medical Debt Relief Act of 2019 This bill modifies requirements related to the reporting of medical debt. Specifically, a consumer reporting agency may not add certain medical debt information to a consumer credit report. Also, a debt collector may not report certain medical debt information to a consumer reporting agency within a specified time period and must notify the consumer prior to reporting such medical debt.

Medical Debt Relief Act of 2020 This bill modifies requirements related to the reporting of medical debt. Specifically, a consumer reporting agency may not add certain medical debt information to a consumer credit report. Also, a debt collector may not report certain medical debt information to a consumer reporting agency within a specified time period and must notify the consumer prior to reporting such medical debt.

This bill defers certain debts arising from benefits under laws administered by the Department of Veterans Affairs (VA) during the covered period, which is the COVID-19 (i.e., coronavirus disease 2019) emergency period plus the 60 days following the end of such period. Specifically, the bill prohibits the VA from doing the following during the covered period: * collecting or recording certain debts, * issuing notice of certain debts to a person or consumer reporting agency, * allowing any interest to accrue on certain debts, or * applying any administrative fee to certain debts. The VA may collect a payment from a person who elects to make such payment during the covered period.