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* 1.  H.R. 3948, the Debt Collection Practices Harmonization Act, authored by Rep. Gregory Meeks (D-NY-5), would amend the definition of debt in the Fair Debt Collection Practices Act to include money owed to a state.
  • Would adding new FDCPA requirements when collecting state owed debt impact revenue when collecting on behalf of states?

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  • Do you collect debt owed to the Department of Treasury?

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  • Do you collect debt on behalf of any state or local governments?

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This bill also allows the damages amounts under the FDCPA to be tied to inflation. This means there would be an increase in FDCPA damages each year.

  • Can you estimate how much you spend on FDCPA related litigation?

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  • If this increased each year, do you have any estimates on how much this would cost each year?

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* 3. H.R. 5330, the Consumer Protection for Medical Debt Collections Act, authored by Rep. Rashida Tlaib (D-MI-13), would prohibit debt collectors from collecting certain medical debt for at least two years after the first due date for a consumer’s debt payment.
  • How much do you usually collect from consumers in the first two years?

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  • How much annual revenue do you attain from medical debt collection?

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* 4. H.R. 5013, the Small Business Fair Debt Collection Protection Act, authored by Rep. Al Lawson (D-FL-5), would amend the definition of debt in FDCPA and remove the term “consumer”. Therefore, under the bill, the scope of FDCPA would include business debts.

•  Do you have any anticipated costs that may be incurred as a result of the change?

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* 5. H.R. 4403, the Stop Debt Collection Abuse Act of 2019, authored by Rep. Emanuel Cleaver (D-MO-5), would limit the amount debt collectors hired by the federal government may charge for debt collection services; specifically, the fees would not be allowed to exceed 10% of the amount collected. Is this a common practice for debt collectors hired by the federal government to receive payment that is contingent on the amount collected? If so, are the rates typically higher than 10%?

• Do you collect for the federal government?

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  • Do you anticipate including debt buyers into the definition of debt collector to pose a burden?

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