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    <originChamber>House</originChamber>
    <type>HR</type>
    <introducedDate>2019-11-08</introducedDate>
    <congress>116</congress>
    <constitutionalAuthorityStatementText><![CDATA[<pre>[Congressional Record Volume 165, Number 179 (Friday, November 8, 2019)][House]From the Congressional Record Online through the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]By Mr. CLAY:H.R. 5001.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8 of the United States Constitution[Page H8740]</pre>]]></constitutionalAuthorityStatementText>
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        <citation>H. Rept. 116-638</citation>
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        <text>Placed on the Union Calendar, Calendar No. 523.</text>
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        <text>Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 23.</text>
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        <bioguideId>C001049</bioguideId>
        <fullName>Rep. Clay, Wm. Lacy [D-MO-1]</fullName>
        <firstName>WM.</firstName>
        <lastName>CLAY</lastName>
        <party>D</party>
        <state>MO</state>
        <middleName>LACY</middleName>
        <district>1</district>
        <isByRequest>N</isByRequest>
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      <item>
        <pubDate>2020-04-22T20:59:00Z</pubDate>
        <title>H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act</title>
        <url>https://www.cbo.gov/publication/56339</url>
        <description>As ordered reported by the House Committee on Financial Services on November 14, 2019</description>
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    </cboCostEstimates>
    <policyArea>
      <name>Finance and Financial Sector</name>
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    <subjects>
      <legislativeSubjects>
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          <name>Credit and credit markets</name>
        </item>
        <item>
          <name>Debt collection</name>
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        <item>
          <name>Judicial review and appeals</name>
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        <updateDate>2020-05-27T13:28:45Z</updateDate>
        <text><![CDATA[ <p><b>Non-Judicial Foreclosure Debt Collection Clarification Act </b></p> <p>This bill applies requirements for debt collectors to businesses engaged in nonjudicial foreclosures (i.e., the enforcement of security interests). These requirements include debt verification and prohibitions on the means of debt collection. </p>]]></text>
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      <summary>
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        <actionDate>2020-12-10</actionDate>
        <actionDesc>Reported to House</actionDesc>
        <updateDate>2020-12-16T15:12:21Z</updateDate>
        <text><![CDATA[ <p><b>Non-Judicial Foreclosure Debt Collection Clarification Act </b></p> <p>This bill applies requirements for debt collectors to businesses engaged in nonjudicial foreclosures (i.e., the enforcement of security interests). These requirements include debt verification and prohibitions on the means of debt collection. </p>]]></text>
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    <title>Non-Judicial Foreclosure Debt Collection Clarification Act</title>
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        <title>Non-Judicial Foreclosure Debt Collection Clarification Act</title>
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        <title>To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.</title>
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        <date>2020-12-10T05:00:00Z</date>
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      <actionDate>2020-12-10</actionDate>
      <text>Placed on the Union Calendar, Calendar No. 523.</text>
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    <dc:rights>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.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>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.</dc:description>
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