HR 3618 IH
106th CONGRESS
2d Session
H. R. 3618
To amend the Fair Debt Collection Practices Act with regard to
liability for noncompliance, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES
February 10, 2000
Mr. ANDREWS introduced the following bill; which was referred to the
Committee on Banking and Financial Services
A BILL
To amend the Fair Debt Collection Practices Act with regard to
liability for noncompliance, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United
States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the `Fair Debt Collection Practices Improvement
Act of 1999'.
SEC. 2. COLLECTION ACTIVITY FOLLOWING INITIAL NOTICE.
Section 809 of the Fair Debt Collection Practices Act (15 U.S.C. 1692(g))
is amended by adding at the end the following new subsection:
`(d) CONTINUATION DURING PERIOD- Collection activities and communications
may continue during the 30-day period described in subsection (a) unless the
consumer requests the cessation of such activities.'.
SEC. 3. LIABILITY FOR NONCOMPLIANCE.
(a) CLARIFICATION OF LIMITATION ON CLASS ACTION AWARDS- Section
813(a)(2)(B) of the Fair Debt Collection Practices Act (15 U.S.C.
1692k(a)(2)(B)) is amended--
(1) by inserting `or any series of class actions arising out of the same
violations by the same debt collector' after `case of a class action';
and
(2) by inserting `of such class action or series of class actions' after
`all other class members'.
(b) ATTORNEYS FEES TO ENFORCE CIVIL LIABILITY- Paragraph (3) of section
813(a) of the Fair Debt Collection Practices Act (15 U.S.C. 1692k(a)) is
amended to read as follows:
`(3) subject to subsection (f), in the case of a successful action to
enforce a liability under paragraph (1) or (2), the costs of the action,
including reasonable attorney's fees, as determined by the court, in an
amount not to exceed the amount awarded in such action under the applicable
paragraph.'.
(c) RULES APPLICABLE TO CERTAIN ACTIONS- Section 813 of the Fair Debt
Collection Practices Act (15 U.S.C. 1692k) is amended by adding at the end the
following new subsection:
`(f) RULES APPLICABLE TO ACTIONS UNDER THIS TITLE- Notwithstanding any
other provision of law, in any action arising under this title, for purposes
of Rule 68 of the Federal Rules of Civil Procedure, the following provisions
shall apply:
`(1) PLAINTIFF'S ATTORNEY'S FEES- Costs shall include reasonable fees
for the plaintiff's attorney.
`(2) DISALLOWANCE OF CERTAIN FEES ACCRUING AFTER REFUSAL OF SETTLEMENT
OFFER- In accordance with Rule 68 of the Federal Rules of Civil Procedure,
if--
`(A) an offer is made by the debt collector to a consumer bringing an
action (including any class action or series of class actions referred to
in subsection (a)(2)(B)) under this title, and the offer is not accepted;
and
`(B) the amount of the final judgment awarded to the consumer (or, in
the case of a class action or series of class actions, the total amount
awarded to all class members in such class action or series of class
actions) is less than or equal to the amount of the offer referred to in
subparagraph (A),
the consumer (or the class with regard to a class action or series of
class actions) may not be awarded or otherwise recover costs for attorney's
fees incurred after the date such offer is rejected.'.
(d) FACTORS FOR CONSIDERATION- Section 813(b) of the Fair Debt Collection
Practices Act (15 U.S.C. 1692k(b)) is amended--
(1) in the portion of such subsection which precedes paragraph (1), by
striking `liability in any action' and inserting `any award'; and
(2) by striking paragraph (1) and inserting the following new
paragraph:
`(1) in any action under subsection (a)(2)(A), the frequency and
persistence of noncompliance by the debt collector, the nature of such
noncompliance, the extent to which the such noncompliance was intentional, and
the amount of actual damages awarded; or'.
(e) BONA FIDE ERRORS- Section 813(c) of the Fair Debt Collection Practices
Act (15 U.S.C. 1692k(c)) is amended--
(1) by striking `(c) A debt collector may not' and inserting `(c) BONA
FIDE ERRORS-
`(1) IN GENERAL- A debt collector may not'; and
(2) by adding at the end the following new paragraph:
`(2) RELIANCE ON RULES OF CIVIL PROCEDURE- A debt collector may not be
held liable in any action brought under this title if the debt collector
shows by a preponderance of the evidence that the violation resulted from
good faith compliance with the Federal Rules of Civil Procedure; in the case
of a proceeding in a State court, the rules of civil procedure available
under the laws of such State; or a nonjudicial foreclosure
proceeding.'.
END