April 8, 2025
Mr. Cohen introduced the following bill; which was referred to the Committee on Financial Services
To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes.
Section 1. Short title
This Act may be cited as the Fair Debt Collection Improvement Act
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Sec. 2. Prohibition on collecting time-barred debt
(a) In general
The Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.) is amended by inserting after section 811 the following:
811A. Prohibition on collecting time-barred debt
A debt collector may not collect, or attempt to collect, any debt of a consumer with respect to which the governing statute of limitations has expired.
(b) Clerical amendment
The table of contents for the Fair Debt Collection Practices Act is amended by inserting after the item relating to section 811 the following: