H.R. 2361: Fair Debt Collection Improvement Act

112th Congress · introduced 2011-06-24 · Finance and Financial Sector · Latest: Referred to the Subcommittee on Financial Institutions and Consumer Credit.

federal

Follow this bill, step by step

Where it came from: introduced 2011-06-24 · official record
Who proposed it: Rep. Cohen, Steve [D-TN-9] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Referred to the Subcommittee on Financial Institutions and Consumer Credit. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Fair Debt Collection Improvement Act

Plain summary

Fair Debt Collection Improvement Act - Amends the Fair Debt Collection Practices Act to prohibit a debt collector from bringing, or threatening to bring, legal action against any consumer on a debt in which the statute of limitations has expired. Requires a debt collector, in connection with the collection of debt in which the statute of limitations has expired, to disclose to the consumer that: (1) the debt has been transferred to the debt collector, (2) the creditor no longer holds the debt, (3) the debt collector may not bring legal action against the consumer to collect the debt because the statute of limitations has expired, and (4) any payment by the consumer towards the debt may cause the statute of limitations to reset.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Fair Debt Collection Improvement Act

Source: Congressional Research Service summary (Introduced in House)

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Cohen, Steve [D-TN-9] · 4 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Gregory W. Meeks (D-NY)

Sponsor's campaign money: Rep. Cohen, Steve [D-TN-9] reported raising $785,039 (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (1)

Statute: A written law passed by a legislature. A statute can be changed by a later law; changing a constitution needs an amendment.

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-112hr2361.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/112/hr>

Record fed-us-cong112-hr2361 · catalog fed-us-congress-bills-cong112 · updated 2026-11-15 by psicol fed-bills-cong112