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CS/CS/HB 413: Consumer Collection Practices

GENERAL BILL by Regulatory Affairs Committee ; Insurance and Banking Subcommittee ; Santiago

Consumer Collection Practices; Deletes provision entitling prospective consumer collection agency registrants to registration when specified conditions are met; provides powers & duties of OFR & FSC; requires fees, charges, & fines to be deposited in specified trust fund; authorizes OFR to make investigations or examinations to determine violations; revises registration procedures & application requirements for consumer collection agencies; requires applicants & certain registrants to submit fingerprints; provides that registrations are not transferable or assignable; requires consumer collection agencies to report changes in specified information within specified period; provides registration renewal & fingerprint retention fees; provides notification requirements for consumer collection agencies; authorizes office to bring administrative action; provides grounds for disciplinary action; provides penalties.

Effective Date: 10/1/2014
 Last Action: 6/13/2014 - Chapter No. 2014-116, companion bill(s) passed, see CS/CS/HB 415 (Ch. 2014-117)
Bill Text: PDF

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  • Bill History

    Date Chamber Action
    12/12/2013 House • Filed
    1/8/2014 House • Referred to Insurance and Banking Subcommittee; Government Operations Appropriations Subcommittee; Regulatory Affairs Committee -HJ 36
    1/28/2014 House • On Committee agenda-- Insurance and Banking Subcommittee, 02/04/14, 4:00 pm, Sumner Hall
    2/4/2014 House • CS by Insurance and Banking Subcommittee; YEAS 13 NAYS 0 -HJ 156
    2/11/2014 House • Pending review of CS under Rule 7.19(c)
    2/12/2014 House • Now in Government Operations Appropriations Subcommittee -HJ 151
    2/28/2014 House • On Committee agenda-- Government Operations Appropriations Subcommittee, 03/04/14, 1:30 pm, Morris Hall
    3/4/2014 House • Introduced -HJ 36
    • Favorable by Government Operations Appropriations Subcommittee; YEAS 12 NAYS 0 -HJ 205
    • Now in Regulatory Affairs Committee -HJ 205
    • CS by Insurance and Banking Subcommittee read 1st time -HJ 140
    3/10/2014 House • On Committee agenda-- Regulatory Affairs Committee, 03/12/14, 1:00 pm, Sumner Hall
    3/12/2014 House • CS/CS by- Regulatory Affairs Committee; YEAS 16 NAYS 0 -HJ 284
    3/13/2014 House • Pending review of CS -under Rule 7.19(c)
    3/14/2014 House • CS/CS by Regulatory Affairs Committee read 1st time -HJ 281
    3/18/2014 House • Placed on Calendar -HJ 292
    4/7/2014 House • Placed on Special Order Calendar, 04/09/14
    4/9/2014 House • Read 2nd time -HJ 489
    • Amendment(s) adopted (307575) -HJ 490
    • Placed on 3rd reading
    4/11/2014 House • Read 3rd time -HJ 513
    • CS passed as amended; YEAS 114 NAYS 0 -HJ 513
    4/21/2014 Senate • In Messages
    • Referred to Banking and Insurance; Criminal Justice; Appropriations -SJ 525
    4/22/2014 Senate • Received -SJ 525
    4/25/2014 Senate • Withdrawn from Banking and Insurance; Criminal Justice; Appropriations -SJ 678
    • Placed on Calendar, on 2nd reading -SJ 678
    • Substituted for CS/SB 1006 -SJ 678
    • Read 2nd time -SJ 678, 687
    • Placed on 3rd reading
    4/28/2014 Senate • Read 3rd time -SJ 720
    • CS passed; YEAS 38 NAYS 0 -SJ 720
    4/28/2014 House • Ordered enrolled -HJ 823
    6/5/2014 • Signed by Officers and presented to Governor
    6/13/2014 • Approved by Governor
    • Chapter No. 2014-116, companion bill(s) passed, see CS/CS/HB 415 (Ch. 2014-117)

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  • CS/CS/HB 413, Enrolled (Current Bill Version) Posted 4/28/2014 at 2:28 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 415 (er) Pub. Rec./Investigations and Examinations by Office of Financial Regulation Santiago Linked Last Action: 6/13/2014 Chapter No. 2014-117, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116)
    Location: Became Law     		Track This Bill
    S 1006 (c1) Consumer Collection Practices Hays Similar Last Action: 4/25/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116), CS/CS/HB 415 (Ch. 2014-117) -SJ 678
    Location: Laid on Table     		Track This Bill
    S 1002 (c1) Public Records/Office of Financial Regulation Hays Compare Last Action: 4/23/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 415 (Ch. 2014-117), CS/CS/HB 413 (Ch. 2014-116) -SJ 581
    Location: Laid on Table     		Track This Bill

    Citations - Statutes (8)

    Citation Catchline Location in Bill Location In Bill Help
    559.55 Definitions. Page 2 (pdf)
    559.553 Registration of consumer collection agencies required; exemptions. Page 6 (pdf)
    559.554 Page 8 (pdf)
    559.5541 Page 9 (pdf)
    559.555 Registration of consumer collection agencies; procedure. Page 10 (pdf)
    559.5551 Page 14 (pdf)
    559.565 Enforcement action against out-of-state consumer debt collector. Page 15 (pdf)
    559.730 Administrative remedies. Page 16 (pdf)

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  • CS/CS/HB 413, Engrossed 1 Posted 4/9/2014 at 3:28 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 415 (er) Pub. Rec./Investigations and Examinations by Office of Financial Regulation Santiago Linked Last Action: 6/13/2014 Chapter No. 2014-117, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116)
    Location: Became Law     		Track This Bill
    S 1006 (c1) Consumer Collection Practices Hays Similar Last Action: 4/25/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116), CS/CS/HB 415 (Ch. 2014-117) -SJ 678
    Location: Laid on Table     		Track This Bill
    S 1002 (c1) Public Records/Office of Financial Regulation Hays Compare Last Action: 4/23/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 415 (Ch. 2014-117), CS/CS/HB 413 (Ch. 2014-116) -SJ 581
    Location: Laid on Table     		Track This Bill

    Floor Votes (2)

    Date Chamber Result
    4/11/2014 2:08 PM House 114 Yeas - 0 Nays
    4/28/2014 10:15 AM Senate 38 Yeas - 0 Nays

    Citations - Statutes (8)

    Citation Catchline Location in Bill Location In Bill Help
    559.55 Definitions. Page 2 (pdf)
    559.553 Registration of consumer collection agencies required; exemptions. Page 6 (pdf)
    559.554 Page 8 (pdf)
    559.5541 Page 9 (pdf)
    559.555 Registration of consumer collection agencies; procedure. Page 10 (pdf)
    559.5551 Page 14 (pdf)
    559.565 Enforcement action against out-of-state consumer debt collector. Page 15 (pdf)
    559.730 Administrative remedies. Page 16 (pdf)

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  • CS/CS/HB 413, Committee Substitute 2 Posted 3/13/2014 at 5:42 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 415 (c2) Pub. Rec./Investigations and Examinations by Office of Financial Regulation Santiago Linked Last Action: 6/13/2014 Chapter No. 2014-117, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116)
    Location: Became Law     		Track This Bill
    S 1006 (c1) Consumer Collection Practices Hays Similar Last Action: 4/25/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116), CS/CS/HB 415 (Ch. 2014-117) -SJ 678
    Location: Laid on Table     		Track This Bill
    S 1002 (c1) Public Records/Office of Financial Regulation Hays Compare Last Action: 4/23/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 415 (Ch. 2014-117), CS/CS/HB 413 (Ch. 2014-116) -SJ 581
    Location: Laid on Table     		Track This Bill

    Floor Amendments (1)

    Amendment Sponsor Filed Last Floor Action Format
    307575 - Amendment
    Remove lines 270-285 and insert:     		Santiago 4/8/2014
    1:53 PM     		House: Adopted
    4/9/2014     		PDF

    Citations - Statutes (8)

    Citation Catchline Location in Bill Location In Bill Help
    559.55 Definitions. Page 2 (pdf)
    559.553 Registration of consumer collection agencies required; exemptions. Page 6 (pdf)
    559.554 Page 8 (pdf)
    559.5541 Page 9 (pdf)
    559.555 Registration of consumer collection agencies; procedure. Page 10 (pdf)
    559.5551 Page 14 (pdf)
    559.565 Enforcement action against out-of-state consumer debt collector. Page 15 (pdf)
    559.730 Administrative remedies. Page 16 (pdf)

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  • CS/HB 413, Committee Substitute 1 Posted 2/11/2014 at 9:42 AM

    Bill Text:   PDF
    Analyses:   Government Operations Appropriations Subcommittee (Post-Meeting) 3/4/2014 (pdf)
    Regulatory Affairs Committee (Post-Meeting) 3/13/2014 (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 415 (c2) Pub. Rec./Investigations and Examinations by Office of Financial Regulation Santiago Linked Last Action: 6/13/2014 Chapter No. 2014-117, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116)
    Location: Became Law     		Track This Bill
    S 1006 Consumer Collection Practices Hays Similar Last Action: 4/25/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116), CS/CS/HB 415 (Ch. 2014-117) -SJ 678
    Location: Laid on Table     		Track This Bill
    S 1002 (c1) Public Records/Office of Financial Regulation Hays Compare Last Action: 4/23/2014 S Laid on Table, companion bill(s) passed, see CS/CS/HB 415 (Ch. 2014-117), CS/CS/HB 413 (Ch. 2014-116) -SJ 581
    Location: Laid on Table     		Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    920801 - Amendment
    Remove line 476 and insert:     		Santiago 3/11/2014
    6:54 PM     		Adopted without Objection
    3/12/2014     		PDF

    Citations - Statutes (8)

    Citation Catchline Location in Bill Location In Bill Help
    559.55 Definitions. Page 2 (pdf)
    559.553 Registration of consumer collection agencies required; exemptions. Page 6 (pdf)
    559.554 Page 8 (pdf)
    559.5541 Page 9 (pdf)
    559.555 Registration of consumer collection agencies; procedure. Page 10 (pdf)
    559.5551 Page 14 (pdf)
    559.565 Enforcement action against out-of-state consumer debt collector. Page 15 (pdf)
    559.730 Administrative remedies. Page 16 (pdf)

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  • HB 413, Original Filed Version Posted 12/12/2013 at 4:17 PM

    Bill Text:   PDF
    Analyses:   Insurance and Banking Subcommittee (Post-Meeting) 6/26/2014 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 415 Pub. Rec./Investigations and Examinations by the Office of Financial Regulation Santiago Linked Last Action: 6/13/2014 Chapter No. 2014-117, companion bill(s) passed, see CS/CS/HB 413 (Ch. 2014-116)
    Location: Became Law     		Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    765353 - Strike All Amendment
    Remove everything after the enacting clause and insert:     		Santiago 2/3/2014
    6:07 PM     		Adopted
    2/5/2014     		PDF

    Citations - Statutes (10)

    Citation Catchline Location in Bill Location In Bill Help
    559.55 Definitions. Page 2 (pdf)
    559.553 Registration of consumer collection agencies required; exemptions. Page 6 (pdf)
    559.554 Page 8 (pdf)
    559.5541 Page 9 (pdf)
    559.555 Registration of consumer collection agencies; procedure. Page 10 (pdf)
    559.5551 Page 14 (pdf)
    559.565 Enforcement action against out-of-state consumer debt collector. Page 15 (pdf)
    559.715 Assignment of consumer debts. Page 16 (pdf)
    559.72 Prohibited practices generally. Page 17 (pdf)
    559.730 Administrative remedies. Page 20 (pdf)

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