H.R. 2547Comprehensive Debt Collection Improvement Act

4 recorded actions230 of these members are on the 2026 ballotWhat the measure does Read on Congress.gov

Sponsor: Maxine Waters [D-CA-43]
Cosponsors: 7 · 7 Democrats
Policy area: Finance and Financial Sector
Committees: Financial Services Committee, Banking, Housing, and Urban Affairs Committee
Latest action: May 17, 2021 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

IntroducedApr 15, 2021
Passed the HouseMay 13, 2021
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

This bill generally provides additional financial protections for consumers and places restrictions on debt collection activities.

Regarding additional consumer protections, the bill

expands certain protections currently applicable to federally backed student loans to private student loans, including by requiring the discharge of a private student loan in the event of the borrower's death or total and permanent disability;
prohibits a consumer reporting agency from adding any information related to a debt arising from a medically necessary procedure to a consumer credit report and places restrictions on the reporting of other types of medical debt; and
applies certain consumer protections regarding debt collection to debt owed to a federal agency, states, debt buyers, and businesses engaged in nonjudicial foreclosures.

It also prohibits certain loan conditions that limit a borrower's opportunity to be heard in court in the event of default.

Additionally, the bill restricts debt collectors and debt collection practices by

prohibiting a debt collector from representing to a service member that failure to cooperate with a debt collector will result in a reduction of rank or similar action,
limiting a debt collector's electronic communications with a debtor without the debtor's permission, and
requiring a debt collector to provide advance notice to a consumer of the intent to take legal action to collect a debt.

The Government Accountability Office must report on the impact of debt collection on service members and on the use of debt collectors by federal and state agencies.

Written by the nonpartisan Congressional Research Service, describing H.R. 2547 as passed House on May 13, 2021. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on H.R. 25474 roll calls on this measure

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May 13, 2021Each bar: ✓ Yea from the bottom, ✕ Nay aboveMay 13, 2021

How every member votedHouse roll call 141

House May 13, 2021 · the primary vote

On Passage

Comprehensive Debt Collection Improvement Act

Passed

215 Yea 207 Nay 8 not voting

Party-line vote 1 of 422 voting members broke with their own party: 1 Democrat.

Open the official roll call

How the chamber split

One dot per member. Select a seat or a bar to filter the list.

DemocratsRepublicansFilled: YeaRing: NayGrey: not voting or present

By party select a segment to filter

All members430 members

Democratic218 members

Republican212 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors7 · 7 Democrats

Signing on is not a vote: a member can cosponsor H.R. 2547 and vote against it. 7 signed when it was filed.

DGregory W. Meeks [D-NY-05]Original2026 profile

DMadeleine Dean [D-PA-04]Original2026 profile

DEmanuel Cleaver [D-MO-05]Original2026 profile

DNydia M. Velázquez [D-NY-07]Original

DJake Auchincloss [D-MA-04]Original2026 profile

DAyanna Pressley [D-MA-07]Original2026 profile

DRashida Tlaib [D-MI-13]

Loading the public record

Who lobbied on H.R. 254727 organizations

Organizations that named H.R. 2547 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

NATIONAL CREDITORS BAR ASSOCIATIONfiled by RICH FEUER ANDERSON, NATIONAL CREDITORS BAR ASSOCIATIONIts PAC: National Creditors BAR Association PAC

Banking · Bankruptcy14 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

ACA INTERNATIONALfiled by BROWNSTEIN HYATT FARBER SCHRECK, LLP, ACA INTERNATIONALIts PAC: ACPAC ACA International PAC

Financial Institutions/Investments/Securities · Communications/Broadcasting/Radio/TV · Consumer Issues/Safety/Products · Budget/Appropriations12 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

AMERICAN BANKERS ASSOCIATIONIts PAC: American Bankers Association PAC

Budget/Appropriations · Consumer Issues/Safety/Products · Copyright/Patent/Trademark · Financial Institutions/Investments/Securities +12 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

COALITION ON HUMAN NEEDS

Agriculture · Budget/Appropriations · Civil Rights/Civil Liberties · Defense +10 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSfiled by CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS

Banking · Budget/Appropriations · Copyright/Patent/Trademark · Foreign Relations +6 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

CAPIO PARTNERS, LLCfiled by LNE GROUP

Banking7 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

CHAMBER OF COMMERCE OF THE U.S.A.

Aerospace · Automotive Industry · Small Business · Taxation/Internal Revenue Code +39 more7 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

HCAfiled by THE SMITH-FREE GROUP, LLC

Health Issues · Medicare/Medicaid · Taxation/Internal Revenue Code · Labor Issues/Antitrust/Workplace +3 more7 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

JOINT COUNCIL OF ALLERGY ASTHMA & IMMUNOLOGY D/B/A ADVOCACY COUNCIL OF ACAAIfiled by CAPITOL ASSOCIATES, INC.

Budget/Appropriations · Medicare/Medicaid · Health Issues7 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

PRA GROUP, INC.filed by INVARIANT LLCIts PAC: PRA Group Inc. PAC

Banking · Computer Industry · Taxation/Internal Revenue Code7 filings · 4th Quarter (Oct 1 - Dec 31) 2022Filing

129 disclosures name this measure. Retrieved from LDA.gov on 2026-10-04. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.