PlainBillCongress, translated.Legislation. Context. Public interest.Placed on the Union Calendar, Calendar No. 538.
Congressional Research Service
Version 07 · Reported to House · Dec 15, 2020
Stop Debt Collection Abuse Act of 2019
This bill applies certain consumer protections regarding debt collection to debt owed to a federal agency and to debt buyers.
A federal agency that is a creditor may not sell or transfer a debt to a debt collector until 90 days after the obligation becomes delinquent or defaults. Specified notice to the consumer of such a sale or transfer is required.
A collector of debt owed to a federal agency may not collect any interest, fee, charge, or expense that is (1) unreasonable in relation to actual costs, (2) not authorized by a contract between the debt collector and the federal agency, or (3) greater than 10% of the amount collected.
The Government Accountability Office must report on the use of debt collectors by federal, state, and local government agencies.
People & committees
Rep. Cleaver, Emanuel [D-MO-5] · D–MO
Legislative record
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Placed on the Union Calendar, Calendar No. 538.
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-654.
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-654.
Ordered to be Reported (Amended) by the Yeas and Nays: 54 - 0.
Committee Consideration and Mark-up Session Held.
Committee Consideration and Mark-up Session Held.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Apr 7, 2025. Consult Congress.gov for the current record.
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