Comprehensive Debt Collection Improvement Act
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Summary
The Comprehensive Debt Collection Improvement Act expands protections for consumers, students, servicemembers, and small businesses in debt collection practices. The bill prohibits cognovit clauses in consumer lending, enhances protections for active-duty and recently separated servicemembers against debt collector harassment, requires discharge of private education loans upon borrower death or total permanent disability, restricts collection of medical debt within two years of first payment, and limits reporting of certain medical debt to credit bureaus. It also establishes new standards for federal debt collection practices and provides additional consumer safeguards against unfair and abusive collection tactics.
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How your representatives voted
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