PlainBillCongress, translated.Legislation. Context. Public interest.Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text of measure as introduced: CR S7802)
Congressional Research Service
Version 00 · Introduced in Senate · Sep 29, 2010
End Debt Collector Abuse Act of 2010 - Amends the Fair Debt Collection Practices Act to require a debt collector, in the absence of such information in an initial communication or payment of the debt, to include in a written notice to the consumer the following: (1) the date of the last payment to the creditor on the debt and the debt amount at the time of default; (2) the name and address of the last person to extend credit with respect to the debt; (3) an itemization of the principal, fees, and interest that comprise the debt and any other charges added after the date of the last payment; (4) a description of the rights of the consumer concerning the ceasing of debt collector communication with the consumer and having collection efforts stopped; and (5) the name and contact information of the person responsible for handling complaints on behalf of the debt collector.
Revises procedures concerning disputed debts to require a debt collector, upon receipt of a notification that a debt is disputed by the consumer, to undertake a thorough investigation of the substance of the dispute and timely provide specific responsive information and verification of the disputed debt.
Requires the Federal Trade Commission (FTC) to provide inflation adjustments to damages awarded in cases of noncompliance with fair debt collection practices under the Act.
Showing the opening paragraphs of the official summary.
Allows a court, in a civil action alleging violations of fair debt collection practices, to award appropriate relief, including injunctive relief.
Deems as an unfair practice a request by a debt collector to a court or law enforcement agency for the issuance of a warrant for the arrest of a debtor or any other similar request that a debt collector knows or should know would lead to the issuance of an arrest warrant, in relation to collection of a debt.
People & committees
Sen. Franken, Al [D-MN] · D–MN
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text of measure as introduced: CR S7802)
Sponsor introductory remarks on measure. (CR S7801-7802, S7802)
Introduced in Senate
Primary sources
Text links open the official source. We currently store references to these documents.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Aug 14, 2025. Consult Congress.gov for the current record.
AI Conversation Starters
Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.
Analyze S.3888 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
Examine S.3888 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
Examine S.3888 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
Examine S.3888 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.