H.R. 1657House117th Congress (2021-2023)In Committee

Ending Debt Collection Harassment Act of 2021

Introduced March 8, 2021

AI-Generated Summary

Updated February 7, 2026 at 11:51 PM UTC

The Ending Debt Collection Harassment Act of 2021 amends the Consumer Financial Protection Act and the Fair Debt Collection Practices Act to give consumers stronger protection from aggressive debt‑collection communications. It requires new reporting on debt‑collection complaints and enforcement, and it limits how often collectors can contact consumers by email or text without consent. The changes affect debt collectors, the CFPB, and consumers who owe debts.

Key Provisions

  • Adds a semi‑annual CFPB report that includes a state‑by‑state breakdown of debt‑collection complaints and a list of enforcement actions taken in the prior year.
  • Requires an annual Fair Debt Collection Practices Act report that analyzes the impact of electronic communications on consumer experiences.
  • Prohibits the CFPB director from issuing any rule that allows unlimited email or text messages from debt collectors.
  • Makes it unlawful for a collector to contact a consumer electronically without consent, after consent is withdrawn, or more often than the consumer permits.
  • Changes the required notice timing to within five days after the collector’s first contact with a consumer about a debt.
  • Requires collectors to obtain direct consent before using any communication method other than mail or phone, forbids waiving electronic‑signature rules, and lets consumers opt out of any communication method.

Legislative Activity

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1 earlier action
HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

March 8, 2021

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HouseIntro Referral

Introduced in House

March 8, 2021

HouseIntro Referral

Referred to the House Committee on Financial Services.

March 8, 2021

Floor Debate

8 members

What members said about H.R. 1657 on the floor

5 Republicans3 Democrats
Ed Perlmutter
Rep. Ed PerlmutterD-CO-7 · May 12, 2021

Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 380 and ask for its immediate consideration. Mr. Speaker, for the purposes of debate only, I yield the customary 30…

Guy Reschenthaler
Rep. Guy ReschenthalerR-PA-14 · May 12, 2021

Mr. Speaker, I yield myself such time as I may consume. I want to thank the distinguished gentleman, my good friend from Colorado, for yielding me the customary 30 minutes. The rule before us today…

Don Bacon
Rep. Don BaconR-NE-2 · May 12, 2021

Mr. Speaker, I rise to urge defeat of the previous question so that we can immediately consider my bill to ensure that those who risk their lives to protect all of us are afforded greater protections…

John H. Rutherford
Rep. John H. RutherfordR-FL-4 · May 12, 2021

Mr. Speaker, I thank the gentleman for yielding. Mr. Speaker, I rise to urge defeat of the previous question so that we can immediately consider the Protect and Serve Act, my bipartisan bill to…

Lois Frankel
Rep. Lois FrankelD-FL-21 · May 12, 2021

Mr. Speaker, I thank the chairman for yielding to me. Mr. Speaker, give me a break. Since when is having babies a liberal activity? In fact, I believe that police women have babies, too. And let me…

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Troy E. Nehls
Rep. Troy E. NehlsR-TX-22 · May 12, 2021

Mr. Speaker, I rise in support of the Back the Blue Act, the Serve and Protect Act, and the Jaime Zapata and Victor Avila Federal Law Enforcement Protection Act. Mr. Speaker, all of these are…

Marjorie Taylor Greene
Rep. Marjorie Taylor GreeneR-GA-14 · May 12, 2021

The Pregnant Workers Fairness Act, I rise in opposition to H.R. 1065. There is language that I find many Democrats use in a lot of Democrats' bills. It is called pregnancy rights. Pregnancy rights…

Deborah K. Ross
Rep. Deborah K. RossD-NC-2 · May 12, 2021

Mr. Speaker, debt collectors often operate with impunity, threatening servicepeople, denying small business owners due process, and harassing customers and homeowners with repeated calls, texts, and…

Bill Text

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Introduced in HouseIssued March 8, 2021

I

117th CONGRESS

1st Session

H. R. 1657

IN THE HOUSE OF REPRESENTATIVES

March 8, 2021

Ms. Pressley (for herself, Ms. Tlaib, Ms. Adams, Ms. Ocasio-Cortez, and Mr. García of Illinois) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes.

1.

Short title

This Act may be cited as the Ending Debt Collection Harassment Act of 2021.

2.

Consumer protections relating to debt collection practices

(a)

Reports on debt collection complaints and enforcement actions

(1)

Semi-annual report

Section 1016(c) of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5496(c)) is amended—

(A)

in paragraph (8), by striking and at the end;

(B)

in paragraph (9), by striking the period at the end and inserting a semicolon; and

(C)

by adding at the end the following:

(10)

an analysis of the consumer complaints received by the Bureau with respect to debt collection, including a State-by-State breakdown of such complaints; and

(11)

a list of enforcement actions taken against debt collectors during the preceding year.

.

(2)

Annual report

Section 815(a) of the Fair Debt Collection Practices Act (15 U.S.C. 1692m(a)) is amended by adding at the end the following new sentence: Each such report shall also include an analysis of the impact of electronic communications by debt collectors on consumer experiences with debt collection, including a consideration of consumer complaints about the use of electronic communications in debt collection..

(b)

Limitation on debt collection rules

Section 1022 of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5512) is amended by adding at the end the following:

(e)

Limitation on debt collection rules

The Director may not issue any rule with respect to debt collection that allows a debt collector to send unlimited email and text messages to a consumer.

.

(c)

Protection of consumers from unlimited texts and emails used in debt collection

Section 806 of the Fair Debt Collection Practices Act (15 U.S.C. 1692d) is amended by adding at the end the following new paragraph:

(7)

Contacting the consumer electronically, including by email or text message, without consent of the consumer, after such consent has been withdrawn, or more frequently than the consumer consents to be contacted.

.

(d)

Ensuring consumers receive notice of debt collection protections

Section 809(a) of the Fair Debt Collection Practices Act (15 U.S.C. 1692g(a)) is amended in the matter preceding paragraph (1) by striking Within five days and all that follows through debt, and inserting the following: Notice of debt; contents.—Within five days after the initial communication with a consumer in connection with the collection of any debt,.

(e)

Limitations on debt collection rules

Section 814(d) of the Fair Debt Collection Practices Act (15 U.S.C. 1692l(d)) is amended by adding at the end the following:

Such rules—

(1)

may not allow a debt collector to send unlimited electronic communications to a consumer;

(2)

shall require debt collectors to obtain consent directly from consumers before contacting them using a method other than by postal mail or by phone;

(3)

may not waive the requirements of the Electronic Signatures in Global and National Commerce Act (15 U.S.C. 7001 et seq.); and

(4)

shall allow consumers to opt out of any method of communication that the debt collector uses to communicate with consumers, including a method for which such consumer had given prior consent.

.