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Code · BILL · 118th Congress · H.R. 10509 (Introduced in House) — To expand and enhance consumer, student, servicemember, and small business protections with respect to debt collectio... · Sec. 102

Sec. 102. Obligor transactions

228 words·~1 min read·/bill/118/hr/10509/ih/section-102·

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Chapter 2 of the Truth in Lending Act ( 15 U.S.C. 1631 et seq. ) is amended by adding at the end the following: In connection with the extension of credit or creation of debt in or affecting commerce, as defined in section 4 of the Federal Trade Commission Act ( 15 U.S.C. 44 ), including any advance of funds or sale or assignment of future income or receivables that may or may not be credit, no person may directly or indirectly take or receive from another person or seek to enforce an obligation that constitutes or contains a cognovit or confession of judgment (for purposes other than executory process in the State of Louisiana), warrant of attorney, or other waiver of the right to notice and the opportunity to be heard in the event of suit or process thereon.
The exemptions described in section 104 shall not apply to this section. . Section 130 of the Truth in Lending Act ( 15 U.S.C. 1640 ) is amended by adding at the end the following: In this section, the term creditor refers to any person charged with compliance that is not the obligor. . The table of sections in chapter 2 of the Truth in Lending Act ( 15 U.S.C. 1631 et seq. ) is amended by adding at the end the following: 140B. Unfair credit practices. .
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Sec. 102
Obligor transactions
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