Uniform Consumer Debt Default Judgments Act; established.

The document layout was changed to include page numbers and line numbers typical of a House Substitute amendment, while the actual legal text remained identical to the previous version.

The document format was changed from an Enrolled Act to a House Substitute Bill, adding standard legislative headers and draft markings while removing the approval language.

The layout and line breaks were adjusted to match the standard formatting of a substitute bill, but the actual legal text and wording of the sections remain unchanged.

The definition of 'Creditor' was expanded to explicitly include persons who acquire charged-off debt as part of a portfolio acquisition, ensuring debt buyers are subject to the act's requirements.

The complaint requirements were clarified to specify that debt ownership transfers must be listed after the date of charge-off or default, rather than before.

The list of documents plaintiffs must attach to their complaints was updated to require a 'copy' of evidence rather than just the evidence itself.