1. Short title This Act may be cited as the Securing Consumers Against Misrepresented Debt Act of 2024 or the SCAM Debt Act . 2. Definitions Section 803 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ) is amended by adding at the end the following: (9) The term legal action means any lawsuit or legal proceeding (including litigation, arbitration, enforcement of security interests, post-judgment actions, and mediation) pursued, taken, threatened, offered, or requested by debt collectors. . 3. False or misleading representations Section 807(11) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e(11) ) is amended by striking legal action and inserting lawsuit . 4. Validation of debts Section 809(a) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g(a) ) is amended— (1) in the matter preceding paragraph (1), by striking the following information is contained in the initial communication or ; (2) by amending paragraph (1) to read as follows: (1) an itemization of the amount of the debt that includes— (A) the total amount of the debt owed on the date of the notice; (B) the most recent date of default on the debt; and (C) the amount owed on the most recent date of default, the amount of any payments made since such date, and the amount of any interest or fees accrued on the debt since such date; ; (3) by amending paragraph (2) to read as follows: (2) the name of the original creditor and, if different, the name of the creditor on the most recent date of default and the name of the current creditor to whom the debt is owed; . (4) in paragraph (4)— (A) by striking in writing ; and (B) by striking and at the end; (5) in paragraph (5)— (A) by striking written ; and (B) by striking the period at the end and inserting a semicolon; and (6) by adding at the end the following: (6) the account number of the debt on the most recent date of default