URGENT Call to Action, CLLA Needs Your Voice!


The U.S. House of Representatives passed the Comprehensive Debt Collection Improvement Act, H.R. 2547, mostly along party lines, which means the U.S. Senate could now consider the bill with extensive reforms to debt collection. We need your help to stop the bill and educate lawmakers about how the policy proposals are harmful to businesses and consumers.


The bill includes, among many other problematic proposals and amendments:


·       The originating creditor will become subject to the FDCPA.


·       Delaying the ability to start medical debt collections for two years and credit reporting for one year.


·       Adds an additional opt in for the Consumer Financial Protection Bureau rule for sending emails, adding complexity to new email requirements.


·       Ties Fair Debt Collection Practices Act damages to inflation, which will increase the damages.


·       Collections will become so expensive that creditors may need to change how they grant credit.


·       Subjects debt owed to federal agencies to the FDCPA and limits fees.


·       This will also eliminate Consent Judgments.



This bill contains language that would fundamentally alter the way we do business and was recently referred to the Senate Committee on Banking, Housing and Urban Affairs.


We expect the bill will face an uphill battle in the Senate and we are providing you with a sample letter (DOWNLOAD WORD FILE) available to share with your members of Congress.



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Here’s how you can help:


1.     You can download the form letter (DOWNLOAD WORD FILE).

2.     Place your letterhead on top, and then send it to your local congress people.

3.     You can use this easy link to find your local congress people: https://www.govtrack.us/congress/members

4.     Share this post or email to anyone you know that you think would be willing to help.


Let your senators know that they need to stop H.R. 2547 

from going any further!