H.R. 10018

119 HR 10018 IH: Fair Debt Collection Practices for Servicemembers Act
 U.S. House of Representatives
 2026-08-03
 text/xml
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 I  119th CONGRESS  2d Session  H. R. 10018  IN THE HOUSE OF REPRESENTATIVES   August 3, 2026   Ms. Dean of Pennsylvania  (for herself and  Mr. Davidson ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To amend the Fair Debt Collection Practices Act to provide enhanced protection against debt collector harassment of members of the Armed Forces, and for other purposes.
1.
Short title
This Act may be cited as the   Fair Debt Collection Practices for Servicemembers Act  .
2.
Enhanced protection against debt collector harassment of servicemembers
(a)
Communication in connection with debt collection
Section 805 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) is amended by adding at the end the following:
(e)
Communications concerning servicemember debts
(1)
Covered member defined
In this subsection, the term  covered member  means any of the following:
(A)
A covered member or a dependent as defined in section 987(i) of title 10, United States Code.
(B)
An individual who was separated, discharged, or released from duty described in such section 987(i)(1), but only during the 365-day period beginning on the date of separation, discharge, or release.
(C)
A person, with respect to an individual described in subparagraph (B), described in subparagraph (A), (D), (E), or (I) of section 1072(2) of title 10, United States Code.
(2)
Prohibitions
A debt collector may not, in connection with the collection of any debt of a covered member—
(A)
threaten to have the covered member reduced in rank;
(B)
threaten to have the covered member’s security clearance revoked; or
(C)
threaten to have the covered member prosecuted under  chapter 47  of title 10, United States Code (the Uniform Code of Military Justice).
 .
(b)
Unfair practices
Section 808 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ) is amended by adding at the end the following:
(9)
The representation or implication to any covered member (as defined under section 805(e)(1)) that failure to cooperate with a debt collector will result in—
(A)
a reduction in rank of the covered member;
(B)
a revocation of the covered member’s security clearance; or
(C)
prosecution under  chapter 47  of title 10, United States Code (the Uniform Code of Military Justice).
 .
3.
GAO study
The Comptroller General of the United States shall conduct a study and submit a report to Congress on the effect of this Act and the amendments made by this Act on—
(1)
the timely delivery of information to a covered member (as defined in section 805(e) of the Fair Debt Collection Practices Act, as added by this Act);
(2)
military readiness; and
(3)
national security, including the extent to which covered members with security clearances would be impacted by uncollected debt.