1. Short title This Act may be cited as the Small Business Fair Debt Collection Protection Act . 2. Fair debt collection practices for loans to small businesses (a) In general The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended— (1) in section 803 ( 15 U.S.C. 1692a )— (A) by striking (5) and inserting the following: (5) The term debt means any obligation or alleged obligation to pay money arising out of a transaction, whether or not such obligation has been reduced to judgment. ; and (B) by adding at the end the following: (9) The term commercial credit bureau means any person that— (A) for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating commercial credit information or other information on businesses for the purpose of furnishing consumer reports to third parties; and (B) uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. (10) The term consumer reports has the meaning given the term in section 603 of this Act. ; and (2) by inserting after section 818 the following: 818A. Application to small business debt (a) Definition The term small business debt — (1) means any nonequity obligation or alleged obligation of a partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity that is less than $5,000,000; and (2) does not include any obligation or alleged obligation— (A) of an individual