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HB 1252

An Act amending the act of December 16, 1992 (P.L.1144, No.150), known as the Credit Services Act, further providing for prohibited activities.

2025-2026 Regular Session Introduced by Johanny Cepeda-Freytiz and 17 co-sponsors

Pennsylvania legislation prohibits additional deceptive credit services practices to strengthen consumer protection standards against industry fraud.

Referred to State Government
0
WeVote Research Nonpartisan
Bill Summary · HB 1252

Legislative bill overview

HB 1252 amends Pennsylvania's Credit Services Act by adding or strengthening prohibitions on certain credit-related activities. The bill targets deceptive or predatory practices within the credit services industry, though the specific prohibited activities are not detailed in the available legislative summary.

Why is this important

Credit services companies operate in a space where consumers are often vulnerable to fraud, misleading claims, and predatory fees. Strengthening prohibitions protects Pennsylvania residents from financial exploitation and aligns state law with consumer protection standards, potentially reducing complaints and financial harm.

Potential points of contention

  • Industry compliance costs: Credit services companies may argue that new prohibitions create administrative burdens and compliance expenses that could be passed to consumers
  • Scope ambiguity: Without knowing which specific activities are prohibited, stakeholders differ on whether the restrictions are too broad, too narrow, or address real problems
  • Enforcement mechanisms: Questions about who enforces violations and what penalties apply could affect practical implementation and effectiveness

Compiled from official sources — confirm details with the bill’s official record.

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