# 119-s-2454: Fair Debt Collection Practices for Servicemembers Act

119-s-2454, Fair Debt Collection Practices for Servicemembers Act, is a 119th Congress bill sponsored by Sen. Warnock, Raphael G. [D-GA] (D-GA); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-2454
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2454
- Congress: 119
- Title: Fair Debt Collection Practices for Servicemembers Act
- Status: introduced
- Introduced: 2025-07-24
- Sponsor: Sen. Warnock, Raphael G. [D-GA] (D-GA)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## 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. - 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.

## Cosponsors (2)

- Sen. Budd, Ted [R-NC] (R-NC), 2025-07-24T00:00:00.000Z
- Sen. Cornyn, John [R-TX] (R-TX), 2025-07-24T00:00:00.000Z

## Provisions PRIA read

- Ban on debt threats to servicemembers: benefit, low. 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…

## Related bills

- 119-s-1071: National Defense Authorization Act for Fiscal Year 2026
- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-2858: SHINE for Autumn Act of 2025
- 119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025
- 119-s-2120: Older Americans Act Reauthorization Act of 2025

## Sources
- [119-s-2454 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2454)

## Related
- [119-s-1071: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-1071)
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-2858: SHINE for Autumn Act of 2025](https://policyrisk.com/legislation/119-s-2858)
- [119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-s-1816)
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2454 (as of 2025-12-21).