Debt Collection
US Congress 116th Congress
To prohibit confessions of judgment in connection with the extension of covered credit or creation of covered debt, and for other purposes. [HB-6795]
[Consumer Protection ]
[Finance ]
[Small Business ]
[Law Enforcement ]
[Public Safety ]
[Economic Development ]
Prohibits a confession of judgment or similar agreement as a condition to a loan or extension of credit of $2 million or less during the COVID-19 (i.e., coronavirus disease 2019) emergency period and for 120 days following. (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.)
Sponsored by: Rep. Nydia Velazquez
Introduced In House on 05/08/2020
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Suspend School Meal Debt Act of 2020 [S.3651]
[Education ]
[Food ]
[Public Health ]
[Children and Youth ]
[Funding ]
[Grants ]
[Healthcare ]
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
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Sponsored by: Sen. Tina Smith
Read Twice And Referred To The Committee On Agriculture, Nutrition, And Forestry. on 05/07/2020
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Equity in Student Loan Relief Act [HB-6597]
[Student Loans ]
[Education ]
[Funding ]
Establishes a temporary program to suspend payments and interest through September 30, 2020, on Federal Family Education Loans (FFELs) that are not held by the Department of Education (ED). (Currently, payments and interest are suspended through this period on certain Federal Direct Loans and FFELs held by ED.) Specifically, ED must (1) enter into agreements with eligible lenders and guaranty agencies to reduce the interest rate to 0% on FFELs, and (2) make monthly payments to lenders and guaranty agencies to offset the cost of the reduced interest
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Sponsored by: Rep. Matthew Cartwright
Introduced In House on 04/22/2020
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Robust International Response to Pandemic Act [HB-6581]
[Healthcare ]
[International ]
[Public Health ]
[Funding ]
[Grants ]
[Pharmaceuticals ]
[Budget and Spending ]
Requires each U.S. Executive Director at an international financial institution to take certain actions in support of the global response to COVID-19 (i.e., coronavirus disease 2019). Specifically, each U.S. Executive Director at an international financial institution (e.g., the International Bank for Reconstruction and Development or the International Finance Corporation) must (1) seek the suspension of debt service payments to the institution and the relaxation of fiscal targets for certain programs, and (2) oppose programs or loan agreements
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Sponsored by: Rep. Raul Grijalva
Introduced In House on 04/21/2020
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To defer action regarding certain debts arising from benefits under laws administered by the Secretary of Veterans Affairs for a period of time including the COVID-19 emergency period. [HB-6590]
[Veterans ]
[Healthcare ]
[Disaster Relief ]
[Public Health ]
[Funding ]
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
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Sponsored by: Rep. Eleanor Norton
Referred To The Subcommittee On Oversight And Investigations. on 09/30/2020
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Payday and Predatory Loans Moratorium Act of 2020 [HB-6544]
[Consumer Protection ]
[Finance ]
[Public Health ]
[Small Business ]
[Economic Development ]
Prohibits for one year efforts by a lender to collect on certain debts owed by a borrower affected by the COVID-19 (i.e., coronavirus disease 2019) pandemic. Specifically, lenders are prohibited from collection efforts against such a borrower with respect to (1) a loan with a nominal interest rate of 36% or more, and (2) a loan which the lender did not determine was affordable while allowing the borrower to meet basic living expenses and major financial obligations.
Sponsored by: Rep. Gregory Meeks
Introduced In House on 04/17/2020
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Medical Debt Relief Act of 2020 [HB-6470]
[Healthcare ]
[Consumer Protection ]
[Finance ]
[Public Health ]
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.
Sponsored by: Rep. Sean Maloney
Introduced In House on 04/07/2020
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Suspend School Meal Debt Act [HB-6430]
[Agriculture ]
[Education ]
[Food ]
[Public Health ]
[Children and Youth ]
[Funding ]
[Grants ]
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
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Sponsored by: Rep. Barbara Lee
Introduced In House on 04/03/2020
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Fair Coronavirus Credit Reporting Act of 2020 [HB-6451]
[Consumer Protection ]
[Healthcare ]
[Public Health ]
[Data Privacy ]
[Finance ]
Prohibits a credit reporting agency from including on a consumer's credit report a debt resulting from a medically necessary procedure related to the COVID-19 (i.e., coronavirus disease 2019) outbreak.
Sponsored by: Rep. Joseph Neguse
Introduced In House on 04/03/2020
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National Infrastructure Bank Act of 2020 [HB-6422]
[Infrastructure ]
[Finance ]
[Labor, Jobs, Employment ]
[Construction ]
[Economic Development ]
[Transportation and Motor Vehicles ]
[Budget and Spending ]
[Energy ]
Creates the National Infrastructure Bank to facilitate the long-term financing of infrastructure projects. Specifically, the bank must provide loans to public and private entities for financing, developing, or operating eligible infrastructure projects. An eligible project must have a public sponsor as well as local, regional, or national significance. The bill also provides for various criteria and preferences for purposes of deciding whether to provide a loan, such as whether a project promotes job creation or provides environmental health benefits.
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Sponsored by: Rep. Danny Davis
Referred To The Subcommittee On Water, Oceans, And Wildlife. on 04/23/2020
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US Congress 116th Congress
To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes. [HB-6423]
[Consumer Protection ]
[Small Business ]
[Healthcare ]
[Public Health ]
[Economic Development ]
[Finance ]
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.
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Sponsored by: Rep. Al Lawson
Introduced In House on 03/31/2020
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Department of Defense Healthcare Billing Report Act [S.3580]
[Defense ]
[Healthcare ]
[Medicare and Medicaid ]
[Military ]
[Public Health ]
Requires the Government Accountability Office to evaluate the billing practices of the Department of Defense (DOD) for care received under the TRICARE program (a health care program operated by DOD for servicemembers, military retirees, and their dependents) or at military medical treatment facilities.
Sponsored by: Sen. Catherine Cortez Masto
Read Twice And Referred To The Committee On Armed Services. on 03/25/2020
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Emergency Relief for Student Borrowers Act of 2020 [HB-6316]
[Student Loans ]
[Education ]
[Funding ]
[Grants ]
[Public Health ]
[Economic Development ]
[Disaster Relief ]
To provide relief for Federal and private student loan borrowers during the COVID-19 pandemic, and for other purposes.
Sponsored by: Rep. Eleanor Norton
Introduced In House on 03/23/2020
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Relief for Small Businesses and Nonprofits Act [HB-6361]
[Small Business ]
[Nonprofit ]
[Funding ]
[Grants ]
[Disaster Relief ]
[Economic Development ]
To provide loan and obligation payment relief for small businesses and nonprofits affected by the COVID-19 emergency, and for other purposes.
Sponsored by: Rep. Alan Lowenthal
Introduced In House on 03/23/2020
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Take Responsibility for Workers and Families Act Workforce Emergency Response Act of 2020 [HB-6379]
[Family-Related Legislation ]
[Finance ]
[Healthcare ]
[Housing ]
[Medicare and Medicaid ]
[Taxes ]
[Transportation and Motor Vehicles ]
[Budget and Spending ]
[Small Business ]
[Consumer Protection ]
[Education ]
[Veterans ]
[Public Health ]
[Mental Health ]
[Children and Youth ]
[Economic Development ]
[Elections ]
[Funding ]
[Grants ]
[Human Services ]
[Inflation ]
[Pensions ]
[Retirement ]
[Student Loans ]
[Labor, Jobs, Employment ]
[Unemployment ]
[Disaster Relief ]
Responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. The bill provides FY2020 supplemental appropriations for federal agencies to respond to the COVID-19 outbreak. The supplemental appropriations are designated as emergency spending, which is exempt from discretionary spending limits. In addition, the bill expands paid sick days, family and medical leave, unemployment compensation, and food assistance programs; provides economic
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Sponsored by: Rep. Nita Lowey
Introduced In House on 03/23/2020
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To provide for mortgage forbearance during the COVID-19 emergency, and for other purposes. [HB-6340]
[Housing ]
[Disaster Relief ]
[Consumer Protection ]
[Real Estate ]
[Finance ]
To provide for mortgage forbearance during the COVID-19 emergency, and for other purposes.
Sponsored by: Rep. Lacy Clay
Introduced In House on 03/23/2020
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Relief for Consumers During COVID–19 Act of 2020 [HB-6332]
[Consumer Protection ]
[Finance ]
[Public Health ]
[Housing ]
Places restrictions on the collection of consumer debts 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
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Sponsored by: Rep. Joyce Beatty
Introduced In House on 03/23/2020
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Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act [HB-6321]
[Finance ]
[Healthcare ]
[Housing ]
[Small Business ]
[Consumer Protection ]
[Funding ]
[Grants ]
[Human Services ]
[Student Loans ]
[Budget and Spending ]
[Economic Development ]
[Senior Citizens ]
[Insurance ]
[Public Health ]
[Disaster Relief ]
[Poverty ]
Responds to the COVID-19 (i.e., coronavirus disease 2019) emergency and generally provides for financial assistance and other aid to individuals, businesses, and state and local governments for the duration of the emergency period. Among other things, the bill provides direct payments to individuals of up to $2,000 a month, subject to limits based on adjusted gross income; establishes digital wallets for individuals without bank accounts to receive such payments; provides for the suspension of specified housing and consumer loan payments, evictions,
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Sponsored by: Rep. Maxine Waters
Introduced In House on 03/23/2020
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Ensuring Affordable Housing Security During the Coronavirus Emergency Act of 2020 [HB-6374]
[Housing ]
[Healthcare ]
[Public Health ]
[Disaster Relief ]
[Funding ]
[Human Services ]
[Poverty ]
To suspend requirements that tenants of assisted housing make contributions toward rent during the public health emergency relating to coronavirus, and for other purposes.
Sponsored by: Rep. Nydia Velazquez
Introduced In House on 03/23/2020
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Interagency Pandemic Guidance for Consumers Act [HB-6378]
[Consumer Protection ]
[Disaster Relief ]
[Finance ]
[Public Health ]
Directs financial regulators to issue interagency guidance regarding consumer debt relief options (e.g., deferment, forbearance, and affordable payment plans) in the event of a major disaster or pandemic. Financial regulators must also test financial institutions' response to a pandemic or major disaster every five years and report the results to Congress.
Sponsored by: Rep. Maxine Waters
Introduced In House on 03/23/2020