H.R. 2547 · 117th Congress
Debt collector limits
Comprehensive Debt Collection Improvement Act
What it does
Restricts abusive debt collection: bars collectors from pursuing servicemembers' and students' debts in certain ways, removes paid medical debt from credit reports, and limits collection texts and emails.
Outcome
Passed the House on May 13, 2021. Not taken up by the Senate.
The test
| Pillar | Question | Answer | Why |
|---|---|---|---|
| Economy | Who lobbied for it, and who against? | Helps Americans | Opposed by ACA International, the debt collectors' trade group; backed by consumer advocates. |
| Freedom | Does it protect or erode privacy, anonymity, speech, due process and the right to organize or sue? | Helps Americans | Limits harassment and preserves recourse against collectors. |
| Everyday life | Does it lower or raise what Americans pay directly? | Helps Americans | Keeps paid medical debt off credit reports, lowering borrowing costs. |
Votes counted: House 215–207 on May 13, 2021. Each member's page shows how they voted.