H.R. 2458House117th Congress (2021-2023)In Committee

Non-Judicial Foreclosure Debt Collection Clarification Act

Introduced April 13, 2021

AI-Generated Summary

Updated February 8, 2026 at 1:32 AM UTC

The Non‑Judicial Foreclosure Debt Collection Clarification Act changes the Fair Debt Collection Practices Act’s definition of a “debt collector.” It makes clear that any business whose main purpose is enforcing security interests—such as companies that handle non‑judicial foreclosures—is always considered a debt collector. This affects those businesses, borrowers, and anyone subject to the FDCPA’s rules.

Key Provisions

  • Amends Section 803(6) of the FDCPA to remove the limited language about using interstate commerce or the mail and instead states that a person in a business whose principal purpose is enforcing security interests is a debt collector in all cases.

Legislative Activity

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1 earlier action
HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

April 13, 2021

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HouseIntro Referral

Introduced in House

April 13, 2021

HouseIntro Referral

Referred to the House Committee on Financial Services.

April 13, 2021

Floor Debate

8 members

What members said about H.R. 2458 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 April 13, 2021

I

117th CONGRESS

1st Session

H. R. 2458

IN THE HOUSE OF REPRESENTATIVES

April 13, 2021

Mr. Auchincloss introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.

1.

Short title

This Act may be cited as the Non-Judicial Foreclosure Debt Collection Clarification Act.

2.

Enforcement of security interests

Section 803(6) of the Fair Debt Collection Practices Act (15 U.S.C. 1692a(6)) is amended by striking For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests..