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Medium urgency

MS HB 6: Identity theft; establish procedure for victim to have debt forgiven and credit reports purged.

Detected July 15, 2026 · in Debt Collection (FDCPA / State)

Mississippi HB 6 proposes a procedure for identity theft victims to have debt forgiven and credit reports purged, directly impacting debt collection practices in the state.

Aforeworn detected this change in the Debt Collection (FDCPA / State) space on July 15, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated Medium urgency. Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Mississippi. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Bill is pending; effective date would be July 1, 2026, if passed. Action needed before effective date.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.

What changed

If enacted, HB 6 would require debt forgiveness and credit report purging upon verification of identity theft, overriding standard collection processes.

Who it affects

Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Mississippi.

What you must do

Monitor bill progress, prepare to implement identity theft verification and debt forgiveness procedures, and update compliance policies.

Deadline

Bill is pending; effective date would be July 1, 2026, if passed. Action needed before effective date.

Source: https://billstatus.ls.state.ms.us/2026/pdf/all_measures/allmsrs.xml

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