HB 4016

House·20th Congress·Filed Aug 26, 2025

An Act Prohibiting Abusive and Harassing Practices in Online Lending Collection and Providing Penalties Therefor

In plain language

The bill would ban online lenders from calling borrowers at night, using threats or profanity, publicly shaming them, and misusing their personal data, while giving the SEC and BSP power to set rules and punish offenders with jail time or fines.

Consumer ProtectionInformation and Communications TechnologyPublic Order and Safety

Automated summary by BatasWatch. It may miss nuance — read the bill text before citing it.

Author · Representative

Adrian Salceda
RepresentativeAlbay, 3rd District
Receipts →

Official sources

Similar in what they’d do, filed by any lawmaker.

HB 10887· Filed Aug 24, 2026
An Act Protecting Borrowers from Unfair, Deceptive, Abusive, and Predatory Online Lending Practices, Establishing Minimum Standards for Online Lending and Digital Debt Collection, Strengthening Enforcement Against Unauthorized Online Lending Platforms, and for Other Purposes
Pending with the Committee on BANKS AND FINANCIAL INTERMEDIARIES since 2026-08-26Rep. Agatha "Agay" Cruz
HB 11246· Filed Sep 10, 2026
An Act Prohibiting Threatening, Harassing, Coercive, and Abusive Debt Collection Practices by Online Lending Applications, Digital Credit Providers, Financing Companies, Lending Companies, and Other Similar Entities, Prescribing Penalties Therefor, and for Other Purposes
Pending with the Committee on BANKS AND FINANCIAL INTERMEDIARIES since 2026-09-15Rep. Eric L. Olivarez
HB 9738· Filed Jun 3, 2026
An Act Providing for Fair Debt Collection Practices in Digital and Traditional Lending, Strengthening Regulation of Online Lending Platforms, Establishing a Verified Collection Identity System, and for Other Purposes
Pending First ReadingRep. Patrick Michael D. Vargas
SB 603· Filed Jul 15, 2025
Anti-Unfair Debt Collection Practices Act
Consolidated/substituted in the committee reportSen. Robinhood Padilla
HB 2662· Filed Jul 30, 2025
An Act Prohibiting Unfair Debt Collection Practices, Providing Penalties Therefor and for Other Purposes
Pending with the Committee on BANKS AND FINANCIAL INTERMEDIARIES since 2025-08-04Rep. Nathaniel M. Oducado

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HB04016 · Sources: BetterGov Open Congress, BatasWatch

An Act Prohibiting Abusive and Harassing Practices in Online Lending Collection and Providing Penalties Therefor

In plain language

Author · Representative

Official sources

Related bills · 20th Congress

Related bills · 20th Congress