AFSA Raises Concerns for PA Coerced Debt Framework
AFSA’s State Government Affairs team submitted a comment letter raising concerns with Pennsylvania HB 2344, which would establish a coerced debt framework in PA.
While AFSA members acknowledge the serious harms of domestic violence and economic abuse, the letter cautioned that the bill as written is overly broad and creates meaningful opportunities for exploitation by bad actors.
AFSA urged the House Judiciary Committee to consider four amendments:
- extending the bill’s secured debt exclusion to cover all secured debt, including auto loans, not just real property;
- striking the word “fraud” from the definition of coerced debt to avoid conflating two distinct legal concepts already addressed by existing statutes;
- establishing a higher evidentiary threshold for submitting a notice of coerced debt;
- and removing clergy from the definition of qualified third parties, limiting that designation to licensed professionals with relevant expertise.
AFSA also recommended adding an anti-fraud provision modeled on New York’s coerced debt law to protect creditors from bad-faith claims.
This letter, along other SGA content can be found on the advocacy section of AFSA’s website.
June 18th, 2026
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