Fair Debt Collection Improvement Act
This bill prohibits a debt collector from collecting a consumer debt if the applicable statute of limitations has expired.
To amend the Fair Debt Collection Practices Act to prohibit debt 
 collectors from collecting, or attempting to collect, on a debt of a 
consumer with respect to which the statute of limitations has expired, 
                        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 Improvement 
Act''.

SEC. 2. PROHIBITION ON COLLECTING TIME-BARRED DEBT.

    (a) In General.--The Fair Debt Collection Practices Act (15 U.S.C. 
1692 et seq.) is amended by inserting after section 811 the following:
``Sec. 811A. Prohibition on collecting time-barred debt
    ``A debt collector may not collect, or attempt to collect, any debt 
of a consumer with respect to which the statute of limitations has 
expired.''.
    (b) Clerical Amendment.--The table of contents for the Fair Debt 
Collection Practices Act is amended by inserting after the item 
relating to section 811 the following:

``811A. Prohibition on collecting time-barred debt.''.
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Fair Debt Collection Improvement Act
To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes.
Fair Debt Collection Improvement Act
Rep. Cohen, Steve