HB3352Introduced in the House
COLLECTION AGENCY COERCED DEBT
Introduced by Kelly Cassidy, District 14
What does this bill do?
Plain-English breakdown
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Official description
Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of coerced debt; affirmative defenses in collection actions or arbitration; civil liability; protections from perpetrators of coerced debt; restrictions on waivers; and liability of collection agencies for violations of the Act. Provides that, upon receiving the debtor's complete statement of coerced debt and specified supporting information, a collection agency shall review and consider all the information received from the debtor as well as any other information available in the collection agency's file or from the creditor related to the alleged coerced debt within 90 days after receipt of the statement of coerced debt. Requires a collection agency, within 5 days after receipt of the complete statement of coerced debt and supporting information, to cease any pre-judgment attempts to collect the coerced debt from the debtor, including refraining from filing any lawsuit or arbitration to collect the coerced debt, and notify any consumer reporting agency to which the collection agency or creditor furnished adverse information about the debtor that the debtor disputes the adverse information. Establishes additional requirements for a collection agency that reviews a statement of coerced debt. Provides that, within 180 days after the effective date of the Act, the Department of Financial and Professional Regulation may design and publish a model coerced debt and third party written verification form in English and any other language it determines, within its discretion, is the first language of a significant number of consumers in the State. Makes other changes.
Where it stands
Public Act . . . . . . . . . 104-0297
August 15, 2025
How did lawmakers vote?
House votes
3 recorded votes · each counted separately
Senate votes
2 recorded votes · each counted separately
SenateStage: Third Reading in Senate · May 22, 2025
56
Yes
0
No
3
Absent or Not Voting
59 senators recorded in this Senate vote. Colors show vote categories only, not whether a vote was good or bad.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
See how each senator voted
| Senator | District | Vote |
|---|---|---|
| Javier Cervantes | 1 | Yes |
| Omar Aquino | 2 | Yes |
| Mattie Hunter | 3 | Yes |
| Kimberly Lightford | 4 | Yes |
| Lakesia Collins | 5 | Yes |
| Sara Feigenholtz | 6 | Yes |
| Mike Simmons | 7 | Yes |
| Ram Villivalam | 8 | Yes |
| Laura Fine | 9 | Yes |
| Robert Martwick | 10 | Yes |
Bill history
Filed with the Clerk by Rep. Kelly M. Cassidy
Added Chief Co-Sponsor Rep. Nabeela Syed
Added Chief Co-Sponsor Rep. Bradley Fritts
Remove Chief Co-Sponsor Rep. Bradley Fritts
First Reading
Referred to Rules Committee
Added Co-Sponsor Rep. Dagmara Avelar
Added Co-Sponsor Rep. Joyce Mason
Added Co-Sponsor Rep. Kevin John Olickal
Added Co-Sponsor Rep. Maura Hirschauer
Added Co-Sponsor Rep. Stephanie A. Kifowit
Added Co-Sponsor Rep. Jennifer Gong-Gershowitz
Added Co-Sponsor Rep. Jehan Gordon-Booth
Added Co-Sponsor Rep. Justin Slaughter
Assigned to Judiciary - Civil Committee
Do Pass / Short Debate Judiciary - Civil Committee; 013-007-000
Placed on Calendar 2nd Reading - Short Debate
Second Reading - Short Debate
Held on Calendar Order of Second Reading - Short Debate
House Floor Amendment No. 1 Filed with Clerk by Rep. Kelly M. Cassidy
House Floor Amendment No. 1 Referred to Rules Committee
House Floor Amendment No. 1 Rules Refers to Judiciary - Civil Committee
Added Co-Sponsor Rep. Diane Blair-Sherlock
House Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee; 020-000-000
Added Co-Sponsor Rep. Theresa Mah
Added Co-Sponsor Rep. Camille Y. Lilly
House Floor Amendment No. 1 Adopted
Placed on Calendar Order of 3rd Reading - Short Debate
Third Reading - Short Debate - Passed 089-023-000
Added Co-Sponsor Rep. Nicolle Grasse
Added Co-Sponsor Rep. Rita Mayfield
Added Co-Sponsor Rep. Hoan Huynh
Arrive in Senate
Placed on Calendar Order of First Reading
Chief Senate Sponsor Sen. Kimberly A. Lightford
First Reading
Referred to Assignments
Added Co-Sponsor Rep. Amy Briel
Assigned to Financial Institutions
Added as Alternate Chief Co-Sponsor Sen. Robert Peters
Added as Alternate Co-Sponsor Sen. Rachel Ventura
Do Pass Financial Institutions; 008-000-000
Placed on Calendar Order of 2nd Reading May 8, 2025
Second Reading
Placed on Calendar Order of 3rd Reading May 13, 2025
Added Co-Sponsor Rep. Thaddeus Jones
Added as Alternate Co-Sponsor Sen. Celina Villanueva
Added as Alternate Co-Sponsor Sen. Karina Villa
Third Reading - Passed; 056-000-000
Passed Both Houses
Added as Alternate Co-Sponsor Sen. Adriane L. Johnson
Added as Alternate Co-Sponsor Sen. Mary Edly-Allen
Added as Alternate Co-Sponsor Sen. Willie Preston
Added as Alternate Chief Co-Sponsor Sen. Sue Rezin
Added as Alternate Co-Sponsor Sen. Christopher Belt
Added as Alternate Co-Sponsor Sen. Steve Stadelman
Sent to the Governor
Added as Alternate Co-Sponsor Sen. Graciela Guzmán
Governor Approved
Effective Date January 1, 2026
Public Act . . . . . . . . . 104-0297
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