The FDCPA Title VIII amended the Consumer Credit Protection Act (15 USC 1601 – 1693r) to prevent abusive practices by debt collectors. This Title may be cited as the Fair Debt Collection Practices Act and is codified at 15 USC 1692 – 1692p. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FDCPA, which prohibits debt collectors from using abusive, unfair or deceptive practices to collect debts.
The FDCPA was initially enacted as United States Public Law 90-321. It was amended by the addition of Title VIII, §§801 – 818, in Public Law 95-109, on September 20, 1977; Title VIII was compiled at 91 Stat. 874, and codified at 15 USC 1692 – 1692p, as amended.
Title VIII—Debt Collection Practices, Sec. 801-818;
“An Act … To amend the Consumer Credit Protection Act to prevent abusive practices by debt collectors.”
“§801 – This Title may be cited as the Fair Debt Collection Practices Act.” 15 USC 1692;
Sec. 802(e) – It is the purpose of this Title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors that refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
“TITLE VIII—DEBT COLLECTION PRACTICES
801. Short title. – “This title may be cited as the ‘Fair Debt Collection Practices Act”.
802. Findings and purpose.
803. Definitions.
804. Acquisition of location information.
805. Communication in connection with debt collection.
806. Harassment or abuse.
807. False or misleading representations.
808. Unfair practices.
809. Validation of debts.
810. Multiple debts.
811. Legal actions by debt collectors.
812. Furnishing certain deceptive forms.
813. Civil liability.
814. Administrative enforcement.
815. Reports to Congress by the Commission.
816. Relation to State laws.
817. Exemption for State regulation.
818. Effective date.
Subchapter I – Cost of Collection (Secs. 1601 – 1667f)
Subchapter II – Restrictions on Garnishment (Secs. 1671 – 1677)
Subchapter II-A – Credit Repair Organizations (Secs. 1679 – 1679j)
Subchapter III – Credit Reporting Agencies (Secs. 1681 – 1681x)
Subchapter IV – Equal Credit Opportunity (Secs. 1691 – 1691f)
Subchapter V – Debt Collection Practices (Secs. 1692 – 1692p)
Subchapter VI – Electronic Fund Transfers (Secs. 1693 – 1693r)
Title 15 – United States Code – Commerce and Trade
Chapter 41 – Consumer Credit Protection
Subchapter V – Debt Collection Practices
15 U.S.C. §§1692 – 1692p
Sec. 1692 – Congressional Findings and declaration of purpose
Sec. 1692a – Definitions
Sec. 1692b – Acquisition of location information
Sec. 1692c – Communication in connection with debt collection
Sec. 1692d – Harassment or abuse
Sec. 1692e – False or misleading representation
Sec. 1692g – Validation of debts
Sec. 1692h – Multiple debts
Sec. 1692i – Legal action by debt collectors
Sec. 1692j – Furnishing certain deceptive forms
Sec. 1692k – Civil liability
Sec. 1692l – Administrative enforcement
Sec. 1692m – Reports to Congress by the Bureau
Sec. 1692n – Relation to state laws
Sec. 1692o – Exemption for state regulation
Sec. 1692p – Exception for certain bad check enforcement programs operated by private entities
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