Commons · New collection

Policy & Legislative Reform

When an individual dispute exposes a recurring defect in a legal or administrative system, Commons can publish a separately identifiable proposal to change the rules.

Editorial distinction: A public research article describes current law and evidence. A policy proposal advocates a change. A draft bill is sample legislative language, not enacted law. Any proposal here must show its sources, unresolved tradeoffs and revision status.
Proposal 001 · Texas debt collection

Mandatory notice after established debt-collection violations

Purpose, evidence gap, who receives notice, privacy boundaries, due process and enforcement options.

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Proposed statutory language

Texas Finance Code §392.3061

A discussion draft establishing confidential rosters of creditor clients, verified notification, acknowledgments, and affected-consumer reviews.

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How proposals enter Commons

Each proposal should have: a defined defect in existing law, scope and jurisdiction, actual statutory text, primary sources, an explicit proposed change, objections and implementation costs, and a status identifying whether it is only a draft or was introduced, amended, adopted or rejected.

This proposal arose from the NCS/Firmus discussion of actual knowledge under Texas §392.306. It is a general proposal applicable to collectors and creditor clients; it is not a finding against those particular companies. The record of an older federal case is a research example, not proof of a current Texas-law violation.

Reusable sources