Bill · S. 2454· Senate(119-S-2454)
Fair Debt Collection Practices for Servicemembers Act
- Introduced
- 7/24/2025
- Last activity
- 7/24/2025 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Raphael Warnock
- Cosponsors
- - 0 - 2
- Introduced
- In Committee
What this bill would do
This bill, titled the "Fair Debt Collection Practices for Servicemembers Act," aims to amend the Fair Debt Collection Practices Act. It seeks to provide enhanced protections for members of the Armed Forces against harassment from debt collectors. The legislation defines "covered individuals" to include certain service members, their dependents, and specific reserve members. It specifically prohibits debt collectors from using threats related to rank reduction, security clearance revocation, or prosecution under the Uniform Code of Military Justice. Additionally, the bill mandates a study by the Comptroller General to evaluate the act's impact on military readiness and national security.
Yes· 3 of 4
Does this give people more protection from unfair business practices?+7
The bill prohibits debt collectors from using specific threats regarding rank, security clearances, or military prosecution to collect debts.
Would veterans be better off under this, taking everything together?+6
The bill provides enhanced legal protections against harassment for service members and those recently discharged from duty.
Does this increase the pay, pensions or support veterans receive?+5
The bill protects recently separated or discharged service members from specific debt collection harassment for up to one year.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Protection against specific threats: Debt collectors are prohibited from threatening a "covered individual" with a reduction in rank, the revocation of a security clearance, or prosecution under the Uniform Code of Military Justice (Section 2(a)(2)).
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Expanded definition of protected persons: The protections extend to "covered members," their dependents, individuals recently separated or discharged from duty within a 365-day period, and members of the Selected Reserve or Ready Reserve (Section 2(a)(1)).
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Prohibition of deceptive representations: The bill prevents debt collectors from representing to covered individuals that failure to cooperate will result in rank reduction, security clearance revocation, or prosecution under the Uniform Code of Military Justice (Section 2(b)).
Potential Negative Impacts for People
- No specific negative impacts are explicitly stated in the text provided.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Veterans+6Good For Low Income Households+4
- Economy And Finance
- Improves Consumer Protection+7
- National Security And Foreign Policy
- Improves Veterans Benefits+5
- 7/24/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 2 Cosponsors added.
- Introduced in Senate
Ted BuddRepublican · North Carolina
John CornynRepublican · Texas