3.0.0 4101 2019-11-15T20:54:49Z 2019-11-15T20:54:49Z House H HR 2012-02-28 112 From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. FRANK of Massachusetts:H.R. 4101.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8 of the United States Constitution,Clause 3.[Page H1017]]]> hsba00 Financial Services Committee House Standing hsba15 Consumer Protection and Financial Institutions Subcommittee Referred to 2012-04-26T14:49:10Z Referred to 2012-02-28T15:01:15Z Fair Debt Collection Practices Clarification Act of 2012 112 5794 HR 2012-07-11 Referred to the Subcommittee on Financial Institutions and Consumer Credit. Related bill CRS 2012-04-26 hsba15 Consumer Protection and Financial Institutions Subcommittee 1 House committee actions Referred to the Subcommittee on Financial Institutions and Consumer Credit. Committee 2012-02-28 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2012-02-28 Introduced in House IntroReferral Intro-H 9 Library of Congress 2012-02-28 Introduced in House IntroReferral 1000 9 Library of Congress F000339 Rep. Frank, Barney [D-MA-4] BARNEY FRANK D MA 4 N Finance and Financial Sector Administrative law and regulatory procedures Alternative dispute resolution, mediation, arbitration Civil actions and liability Consumer Financial Protection Bureau Consumer affairs Consumer credit Right of privacy Telephone and wireless communication Finance and Financial Sector 00 2012-02-28 Introduced in House 2012-07-23T21:30:33Z Fair Debt Collection Practices Clarification Act of 2012 - Amends the Fair Debt Collection Practices Act to revise the disclaimer of liability for any act done or omitted in good faith in conformity with any advisory opinion of the Consumer Financial Protection Bureau (CFPB).

Exempts from liability, in addition, acts done or omitted in good faith in compliance with any rule, regulation, or interpretation of the CFPB, or in conformity with any interpretation or approval by a CFPB official or employee duly authorized to issue such interpretations or approvals.

Permits a debt collector to leave messages for a consumer regarding the collection of a debt on the consumer's answering machine, voice messaging system, or similar device, including in an initial communication with the consumer, so long as the message complies with regulations prescribed by the CFPB to ensure the preservation of consumer privacy and other rights, including restrictions on communications with third parties.

Prohibits a debt collector from initiating a legal action on a debt in an arbitration setting, or requiring the consumer to resolve by arbitration a collection-related dispute on the debt, unless the consumer has agreed in writing to resolution by arbitration after collections activities have been initiated and a legal action or dispute has arisen.

]]> Fair Debt Collection Practices Clarification Act of 2012 Short Titles as Introduced Fair Debt Collection Practices Clarification Act of 2012 Display Title Fair Debt Collection Practices Clarification Act of 2012 Official Title as Introduced To amend the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice mail messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes. Introduced in House 2012-02-28T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-112hr4101ih/xml/BILLS-112hr4101ih.xml 2012-04-26 Referred to the Subcommittee on Financial Institutions and Consumer Credit. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.