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119-s-2454119th CongressWALLET
Fair Debt Collection Practices for Servicemembers Act
Sponsored By: Senator Warnock, Raphael G. [D-GA]
Introduced
Summary
Protecting servicemembers and their dependents from certain debt-collection threats. This bill would bar debt collectors from threatening rank reduction, security-clearance revocation, or prosecution under the Uniform Code of Military Justice and would require a GAO study on effects for readiness and national security.
Show full summary
- Servicemembers and families: Active members, covered dependents, people separated within 365 days, and Selected Reserve members would be protected from collectors who threaten to cut rank, strip clearances, or seek military prosecution.
- Debt collectors and creditors: Collectors would still be allowed to provide accurate, lawful information about debts and consequences as long as they do not use the prohibited threats.
- Military readiness and national security: The Government Accountability Office would study how the changes affect timely delivery of information, military readiness, and impacts on security-clearance holders and uncollected debt.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Ban on debt threats to servicemembers
If enacted, the bill would bar certain debt-collection threats against covered individuals. Covered individuals would include covered members, their dependents, Selected Reserve members, and people separated, discharged, or released from covered duty in the 365 days after that date. Debt collectors would not be allowed to threaten to reduce rank, revoke a security clearance, or seek prosecution under the Uniform Code of Military Justice when collecting any debt of a covered individual. Collectors could still provide accurate, lawful information about a debt so long as they do not make those prohibited threats. The prohibition would take effect upon enactment.
Sponsors & CoSponsors
Sponsor
Warnock, Raphael G. [D-GA]
GA • D
Cosponsors
Sen. Budd, Ted [R-NC]
NC • R
Sponsored 7/24/2025
Sen. Cornyn, John [R-TX]
TX • R
Sponsored 7/24/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov