Bill
S 3816
Overview: S 3816 - Requires mercantile establishments to cease collections under certain circumstancesPurpose and Intent: The purpose of this bill is to prohibit mercantile establi
Overview: S 3816 - Requires mercantile establishments to cease collections under certain circumstances
Purpose and Intent: The purpose of this bill is to prohibit mercantile establishments from continuing collection efforts against consumers in certain situations. The intent is to provide protections for consumers and limit aggressive collection practices.
Key Provisions:
- Requires mercantile establishments to cease all collection efforts if the consumer disputes the debt and provides written notice of the dispute
- Prohibits mercantile establishments from reporting the disputed debt to credit reporting agencies until the dispute is resolved
- Allows consumers to recover damages if a mercantile establishment violates the provisions of the bill
Affected Parties and Impacts:
- Consumers will benefit from increased protections against aggressive collection practices and have more recourse if their disputes are mishandled
- Mercantile establishments will face new restrictions on their collection efforts and potential liability for violations
Procedural and Timeline Considerations:
The bill has been referred to the Judiciary committee for further review and potential advancement.
Compiled from official sources — confirm details with the bill’s official record.
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