Fair Debt Collection Improvement Act

This bill, known as the Fair Debt Collection Improvement Act, seeks to amend the Fair Debt Collection Practices Act (FDCPA) to strengthen consumer protections. Its central provision explicitly prohibits debt collectors from collecting, or attempting to collect, any debt from a consumer if the governing statute of limitations has expired . By inserting a new section into the FDCPA, the legislation aims to prevent debt collectors from pursuing debts that are no longer legally enforceable in court. This measure is designed to shield consumers from potentially misleading or unfair collection practices related to time-barred debts.