H4316
An Act relative to fairness in debt collection
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- Passed House
- Passed Senate
- To Governor
- Became Law
Bill overview
This bill aims to improve fairness and transparency in the process of debt collection within Massachusetts. It seeks to limit certain collection practices, such as harassing phone calls and letters, and requires debt collectors to provide more detailed information to debtors about their debts. The bill also establishes a process for consumers to dispute inaccurate debt information and provides for increased oversight of debt collection agencies.
Key provisions
- Limits on debt collection communication, including restrictions on phone calls and letters.
- Requires debt collectors to provide debtors with detailed information about their debts.
- Establishes a process for consumers to dispute inaccurate debt information.
- Increases oversight of debt collection agencies by the state.
- Prohibits debt collectors from using deceptive or misleading practices.
- Mandates clear disclosures of fees and charges associated with debt collection.
Who is affected
- Debt collectors
- Consumers in Massachusetts who owe debts
- Debt collection agencies
Notable changes
- Provides greater consumer protections during the debt collection process.
- Increases transparency regarding debt obligations.
- Establishes a mechanism for consumers to challenge inaccurate debt records.
Sponsors
Official sponsors from legislative records.
Primary sponsor
Joint Committee on Financial Services
Cosponsors
Carmine Lawrence Gentile
Christine P. Barber
Danillo A. Sena
David Henry Argosky LeBoeuf
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Bill H.4316 194th (Current)
An Act relative to fairness in debt collection
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Bill Information
Bill Information
Sponsor: Joint Committee on Financial Services Status: Referred to House Committee on Ways and Means
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Bill History Cosponsors Committee Summary
Bill History
Displaying 3 actions for Bill H.4316
| Date | Branch | Action |
| 7/28/2025 | House | Reported from the committee on Financial Services |
| 7/28/2025 | House | New draft of H1275 |
| 7/28/2025 | House | Bill reported favorably by committee and referred to the committee on House Ways and Means |
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