# 119-hr-2704: Fair Debt Collection Improvement Act

119-hr-2704, Fair Debt Collection Improvement Act, is a 119th Congress bill sponsored by Rep. Cohen, Steve [D-TN-9] (D-TN); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-hr-2704
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2704
- Congress: 119
- Title: Fair Debt Collection Improvement Act
- Status: introduced
- Introduced: 2025-04-08
- Sponsor: Rep. Cohen, Steve [D-TN-9] (D-TN)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Bans collection of time-barred debt.** This bill would add Section 811A to the Fair Debt Collection Practices Act to prohibit debt collectors from collecting or attempting to collect any debt after the governing statute of limitations has expired. It updates the FDCPA table of contents and sets the Act's short title as the Fair Debt Collection Improvement Act. No other FDCPA provisions are changed and the measure points to the FDCPA's existing enforcement framework.

## Provisions PRIA read

- No collections on time-barred debts: benefit, low. This bill would bar debt collectors from collecting time-barred debts. They could not collect or try to collect once the statute of limitations has expired. It would apply to debt collectors covered by the Fair Debt Collection Practices Act. The bill text does not list an effective date.

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-4714: End Polluter Welfare Act of 2025
- 119-hr-3971: Domestic Workers Bill of Rights Act

## Sources
- [119-hr-2704 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2704)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-4714: End Polluter Welfare Act of 2025](https://policyrisk.com/legislation/119-hr-4714)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2704 (as of 2025-12-21).