THE GENERAL ASSEMBLY OF PENNSYLVANIA

HOUSE BILL

INTRODUCED BY BISHOP, STABACK, THOMAS AND CALTAGIRONE, MARCH 14, 2011

REFERRED TO COMMITTEE ON CONSUMER AFFAIRS, MARCH 14, 2011  

AN ACT

Amending the act of March 28, 2000 (P.L.23, No.7), entitled "An

act establishing the Fair Credit Extension Uniformity Act;

and providing for debt collection trade practices and

penalties," further providing for unfair and deceptive acts

and practices.

The General Assembly of the Commonwealth of Pennsylvania

hereby enacts as follows:

Section 1.  Section 4(b) of the act of March 28, 2000 (P.L.

23, No.7), known as the Fair Credit Extension Uniformity Act, is

amended by adding paragraphs to read:

Section 4.  Unfair or deceptive acts or practices.

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(b)  By creditors.--With respect to debt collection

activities of creditors in this Commonwealth, it shall

constitute an unfair or deceptive debt collection act or

practice under this act if a creditor violates any of the

following provisions:

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(7)  A creditor shall verify the identity of each

consumer who owes a debt to the creditor. The verification

shall include the name, address, contracting of debt and any

other identifying information of the consumer.

(8)  A creditor shall assure that national credit bureaus

are provided with accurate information concerning each

consumer who owes a debt to the creditor.

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Section 2.  This act shall take effect in 60 days.