Consumer Debt

To amend the Fair Credit Reporting Act to institute a 1-year waiting period before medical debt will be reported on a consumer’s credit report and to remove paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes.

To suspend obligations of residential renters and mortgagors to make payments during the COVID-19 emergency, and for other purposes.

To establish a moratorium on collection efforts made by certain lenders against borrowers affected by coronavirus.

To extend zero interest rate benefits and payment suspension to certain Federal student loan borrowers, and for other purposes.