; and (2) to round to the nearest $25 the dollar amount that represents the change described in paragraph (1). . 204. Amendments to the Equal Credit Opportunity Act Section 706 of the Equal Credit Opportunity Act ( 15 U.S.C. 1691e ) is amended— (1) in subsection (b)— (A) by striking $10,000 and inserting $60,000 ; and (B) by striking 500,000 or 1 and inserting $5,000,000 or 5 ; (2) by adding at the end the following: (l) Adjustment On April 1, 2022, and each April 1 thereafter, each dollar amount in effect under subsection (b) on the day before such April 1 shall be adjusted— (1) to reflect the change in the Consumer Price Index for All Urban Consumers, published by the Department of Labor, for the most recent period ending immediately before January 1 preceding such April 1; and (2) to round to the nearest $25 the dollar amount that represents the change described in paragraph (1). . 205. Amendments to the Fair Debt Collection Practices Act The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended— (1) in section 808 ( 15 U.S.C. 1692f ), by adding at the end the following: (9) Filing a lawsuit or a claim in a bankruptcy case that is based on a debt without an actual, reasonable, good-faith belief that the applicable statute of limitations for enforcement of that debt has not expired at the time of filing. (10) Any act to knowingly collect or attempt to collect a debt that has been discharged in bankruptcy except acceptance of a purely voluntary payment of the debtor without encouragement or coercion by the debt collector. ; and (2) in section 813 ( 15 U.S.C. 1692k )— (A) in subsection (a)(2)— (i) in subparagraph (A), by striking $1,000 and inserting $5,000 ; and (ii) in subparagraph (B), by striking $500,000 or 1 and inserting $5,000,000 or 5