H.R. 5021: Ending Debt Collection Harassment Act of 2019

CBO Score

$220 thousand

Date of Report

Tue February 18th, 2020

CBO Report Details

Legislation Details

116th Congress

To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes.

Sponsor: Rep. Ayanna Pressley — D — MA

Requires the Consumer Financial Protection Bureau (CFPB), as part of its semi-annual report to the Congress, to analyze consumer complaints received by the bureau concerning debt collection and to compile a list of enforcement actions taken against debt collectors in the preceding year. As part of its annual report to the Congress on its activities to administer the Fair Debt Collection Practices Act (FDCPA), H.R. 5021 requires the CFPB to analyze the impact of electronic communications by debt collectors on consumers. The bill would prohibit debt collectors from contacting a consumer electronically without their consent, after their consent has been withdrawn, or more frequently than they consent to be contacted; any such contact would constitute harassment under the FDCPA. Under the bill, any rules issued by the CFPB to regulate debt collection would not permit debt collectors to send unlimited electronic communications to consumers, would require debt collectors to obtain consent from consumers before contacting them electronically, and would have to allow consumers to opt out of any communication method the debt collector uses.

View the full vote history of this bill on GovTrack.us.

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