S. 3888Senate111th Congress (2009-2011)In Committee

End Debt Collector Abuse Act of 2010

Sponsored by Al  Franken Sen. Al Franken (D-MN)
Introduced September 29, 2010

Legislative Activity

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2 earlier actions
SenateIntro Referral Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text of measure as introduced: CR S7802)

September 29, 2010

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SenateIntro Referral

Introduced in Senate

September 29, 2010

SenateIntro Referral

Sponsor introductory remarks on measure. (CR S7801-7802, S7802)

September 29, 2010

SenateIntro Referral

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text of measure as introduced: CR S7802)

September 29, 2010

Floor Debate

22 members

What members said about S. 3888 on the floor

8 Republicans14 Democrats
Orrin G. Hatch
Sen. Orrin G. HatchR-UT · Sep 29, 2010

Mr. President, I rise today to introduce the Strengthening Our Commitment to Legal Immigration and America's Security Act. Our immigration system is broken and needs reform. We can make progress by…

Daniel K. Inouye
Sen. Daniel K. InouyeD-HI · Sep 29, 2010

Mr. President, today is September 29, which means that fiscal year 2010 will come to an end tomorrow at midnight. We should all keep that in mind because in order to avoid a government shutdown, the…

Christopher J. Dodd
Sen. Christopher J. DoddD-CT · Sep 29, 2010

Mr. President, I rise today to introduce the Keeping All Students Safe Act to create a safe environment for students and school personnel by creating minimum standards around the use of seclusion and…

Tom Coburn
Sen. Tom CoburnR-OK · Sep 29, 2010

Mr. President, I wish to spend a few minutes talking about where we are. There is no question the chairman of the Appropriations Committee has finished his bills, and they have not come up. But the…

John Thune
Sen. John ThuneR-SD · Sep 29, 2010

Mr. President, I ask unanimous consent to call up my amendment No. 4676 and ask that it be made pending. Mr. President, I ask unanimous consent that the reading of the amendment be dispensed with.…

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Mark L. Pryor
Sen. Mark L. PryorD-AR · Sep 29, 2010

Mr. President, I come to the floor today to introduce legislation with Senator Alexander of Tennessee that I believe will have a dramatic impact on the safety of our Nation's highways and…

John McCain
Sen. John McCainR-AZ · Sep 29, 2010

Mr. President, obviously we are 1 day away from the end of the fiscal year. We have before us a continuing resolution, better known as a CR. It totals over $1.1 trillion to fund the operations of the…

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Sep 29, 2010

Mr. President, it is my understanding the time on our side is controlled by the chairman of the Appropriations Committee. Can I ask, Mr. President, how much time is remaining? If I could have the…

Mike  Johanns
Sen. Mike Johanns R-NE · Sep 29, 2010

Mr. President, I rise today to discuss an issue that I believe does cross the political divide; and that issue is, protecting children from needless pain. Forty years ago, when Roe v. Wade became the…

Dianne Feinstein
Sen. Dianne FeinsteinD-CA · Sep 29, 2010

Mr. President, I rise on behalf of myself and Senator Boxer to introduce legislation to establish a National Heritage Area in the California Sacramento-San Joaquin Delta. This legislation will create…

Al  Franken
Sen. Al Franken D-MN · Sep 29, 2010

Mr. President, we have big problems in the debt collection industry that are long overdue in being addressed. Before I even begin, I wish to preface my remarks by saying when someone takes out a…

Al  Franken
Sen. Al Franken D-MN · Sep 29, 2010

Mr. President, we have big problems in the debt collection industry that are long overdue in being addressed. Before I even begin, I wish to preface my remarks by saying when someone takes out a…

Joseph I. Lieberman
Sen. Joseph I. LiebermanD-CT · Sep 29, 2010

Mr. President, I rise today to introduce the Race to the Top Act of 2010. Congressman Jared Polis is introducing companion legislation in the House today. The Race to the Top Act will authorize the…

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Jeff Bingaman
Sen. Jeff BingamanD-NM · Sep 29, 2010

Mr. President, the Committee on Energy and Natural Resources has worked diligently throughout this Congress to develop legislation that would strengthen our nation's energy security. In July of last…

Jim DeMint
Sen. Jim DeMintR-SC · Sep 29, 2010

Mr. President, I commend Senator Thune for, again, a very small request of the Senate to continue to fund the government at a 5- percent reduction. It is hardly a radical idea--except in Washington.…

Patrick J. Leahy
Sen. Patrick J. LeahyD-VT · Sep 29, 2010

Mr. President, today, I am introducing legislation to ensure that the Nation's highest court can serve its function as the court of last resort in our judicial system. The Supreme Court's…

John D. Rockefeller IV
Sen. John D. Rockefeller IVD-WV · Sep 29, 2010

Mr. President, I thank you for allowing me to speak on this important legislation, the Guardians of Freedom Act of 2010, that will make the Chief of the National Guard Bureau a member of the Joint…

Benjamin L. Cardin
Sen. Benjamin L. CardinD-MD · Sep 29, 2010

Mr. President, I rise today to introduce the Justice for Sergei Magnitsky Act of 2010. As Chairman of the Commission on Security and Cooperation in Europe, I first learned about Sergei Magnitsky at a…

Tom Coburn
Sen. Tom CoburnR-OK · Sep 29, 2010

Mr. President, today, I, along with Senators LeMieux, DeMint, and Inhofe, am introducing the FAST Act. At the same time, this same bill is being introduced in the U.S. House of Representatives by…

George S. LeMieux
Sen. George S. LeMieux R-FL · Sep 29, 2010

I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, in a moment I will request unanimous consent to address an issue important to the people of Florida having to…

Daniel K. Akaka
Sen. Daniel K. AkakaD-HI · Sep 29, 2010

Mr. President, I rise today to introduce the Furthering International Nuclear Safety Act of 2010. This bipartisan legislation, which is cosponsored by Senators Carper and Voinovich, will enhance the…

Scott P. Brown
Sen. Scott P. Brown R-MA · Sep 29, 2010

Mr. President, I thank the Senator for yielding. I stand here in support of the Thune amendment and thank him for his leadership on this good first step. To me, it is pure common sense. I agree with…

Tom Udall
Sen. Tom UdallD-NM · Sep 29, 2010

Mr. President, cell phones today are becoming ubiquitous and more essential to our everyday lives. Americans today have 285 million wireless phones. We use these phones in new and innovative ways.…

Ron Wyden
Sen. Ron WydenD-OR · Sep 29, 2010

Mr. President, I am pleased to join with my colleague from Utah, Senator Orrin Hatch, in introducing legislation to renew an existing Federal program to provide tax incentives for the installation of…

Bill Text

Latest available legislative text

Reading Mode
Latest
Introduced in SenateIssued September 29, 2010

II

111th CONGRESS

2d Session

S. 3888

IN THE SENATE OF THE UNITED STATES

September 29, 2010

Mr. Franken (for himself and Mr. LeMieux) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

To make improvements to the Fair Debt Collection Practices Act, and for other purposes.

1.

Short title

This Act may be cited as the End Debt Collector Abuse Act of 2010.

2.

Enhanced validation notices

(a)

In general

Section 809(a) of the Fair Debt Collection Practices Act (15 U.S.C. 1692g(a)) is amended—

(1)

in paragraph (4), by striking and at the end; and

(2)

by striking paragraph (5) and inserting the following:

(5)

the date of the last payment to the creditor on the subject debt by the consumer and the amount of the debt at the time of default;

(6)

the name and address of the last person to extend credit with respect to the debt;

(7)

an itemization of the principal, fees, and interest that make up the debt and any other charges added after the date of the last payment to the creditor;

(8)

a description of the rights of the consumer—

(A)

to request that the debt collector cease communication with the consumer under section 805(c); and

(B)

to have collection efforts stopped under subsection (b); and

(9)

the name and contact information of the person responsible for handling complaints on behalf of the debt collector.

.

(b)

Effective date

This section and the amendments made by this section shall become effective 1 year after the date of enactment of this Act.

3.

Dispute investigations and verification

Section 809(b) of the Fair Debt Collection Practices Act (15 U.S.C. 1692g(b)) is amended—

(1)

by inserting after (b) the following: “Disputed debts.—

(1)

In general

; and

(2)

by striking Collection activities and inserting the following:

(2)

Reasonable investigation and verification required

Upon receipt of a notification under paragraph (1) that a debt is disputed by the consumer, the debt collector shall undertake a thorough investigation of the substance of the dispute, and shall timely provide to the consumer specific responsive information and verification of the disputed debt.

(3)

Collection activities

Collection activities

.

4.

Award of damages

(a)

Additional damages indexed for inflation

(1)

In general

Section 813 of the Fair Debt Collection Practices Act (15 U.S.C. 1692k) is amended by adding at the end the following:

(f)

Adjustment for inflation

(1)

Initial adjustment

Not later than 90 days after the date of the enactment of this subsection, the Commission shall provide a percentage increase (rounded to the nearest multiple of $100 or $1,000, as applicable) in the amounts set forth in such section equal to the percentage by which—

(A)

the Consumer Price Index for All Urban Consumers (all items, United States city average) for the 12-month period ending on the June 30 preceding the date on which the percentage increase is provided, exceeds

(B)

the Consumer Price Index for the 12-month period preceding January 1, 1978.

(2)

Annual adjustments

With respect to any fiscal year beginning after the date of the increase provided under paragraph (1), the Commission shall provide a percentage increase (rounded to the nearest multiple of $100 or $1,000, as applicable) in the amounts set forth in this section equal to the percentage by which—

(A)

the Consumer Price Index for All Urban Consumers (all items, United States city average) for the 12-month period ending on the June 30 preceding the beginning of the fiscal year for which the increase is made, exceeds

(B)

the Consumer Price Index for the 12-month period preceding the 12-month period described in subparagraph (A).

.

(2)

Applicability

The increases made under section 813(f) of the Fair Debt Collection Practices Act, as added by paragraph (1) of this subsection, shall apply with respect to failures to comply with a provision of such Act (15 U.S.C. 1601 et seq.) occurring on or after the date of enactment of this Act.

(b)

Injunctive relief

Section 813(d) of the Fair Debt Collection Practices Act (15 U.S.C. 1692k(d)) is amended by adding at the end the following: In a civil action alleging a violation of this title, the court may award appropriate relief, including injunctive relief..

5.

Seeking a warrant for arrest of debtor as an unfair debt collection practice

(a)

In general

Section 808 of the Fair Debt Collection Practices Act (15 U.S.C. 1692f) is amended by adding at the end the following:

(9)

A request by a debt collector to a court or any 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.

.

(b)

Construction

Paragraph (9) of such section 808, as added by subsection (a), shall not be construed to limit a court's inherent authority to hold a debtor in civil contempt, nor to limit a debt collector's ability to seek a writ of execution or similar remedy to take possession of property in order to satisfy a valid judgment of debt.