CT SB00225

Modifies Connecticut General Statutes Section 36a-648(a) to clarify liability standards for creditors engaging in abusive, harassing, fraudulent, deceptive or misleading debt collection practices.

Removes the requirement that a person prove they were "harmed by such conduct" and instead establishes that any creditor violating debt collection regulations is liable to that person.

Provides remedies including actual damages, additional court-awarded damages up to $1,000 for individuals, and recovery of court costs plus reasonable attorney's fees in successful actions.

Effective retroactively to any claims arising on or after October 1, 2013, and applies to violations of Section 36a-646 or related regulations.

Clarifies that victims of unfair or abusive debt collection practices need not prove explicit harm as long as a violation of the debt collection act is demonstrated.