Fair Debt Collection Practices for Servicemembers Act

Sponsor: Raphael G. Warnock (Democratic-GA)July 24, 2025

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Protects servicemembers and their families from specific debt collector threats.

This bill would stop debt collectors from threatening military members and their families with things like rank reduction or losing security clearance. It would add these specific protections to existing consumer laws, making it illegal for collectors to use such tactics. This aims to provide servicemembers and their dependents with clearer legal safeguards.

What Would Change

Today, the Fair Debt Collection Practices Act does not explicitly ban debt collectors from threatening servicemembers with things like rank reduction or losing security clearance. If this bill passes, these specific threats would become illegal and would be classified as unfair debt collection practices.

Key Provisions

Bans debt collectors from threatening to reduce a servicemember's rank.
Prohibits debt collectors from threatening to revoke a servicemember's security clearance.
Stops debt collectors from threatening to prosecute servicemembers under military law.
Classifies these specific threats as unfair debt collection practices.
Requires a government study on the bill's impact on military readiness and national security.

View on Congress.gov

S 2454 · 119th Congress · July 24, 2025 · AI Summary by gemini-2.5-flash · 10/10

Fair Debt Collection Practices for Servicemembers Act

What Would Change

Key Provisions

Lobbying Activity