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Author:D.D.Johnice1
DebtCollectionIndustryTransparencyAct(DCITA)of2009
BillSummary:
MandatesincreasedtransparencyandaccountabilityfordebtcollectionagenciesandagentsinordertobetterprotectU.S.consumersfromfraudulentanddishonestdebtcollectionpractices.Requiresdebtcollectionagenciesandtheiragentsbelicensedandregisteredinthestatesinwhichtheyoperate.Excludesconvictedfelonsfromservingasdebtcollectors.LimitsaccesstoconsumerinformationandincreasespenaltiesforviolatorsoftheFairDebtCollectionPracticesAct(FDCPA)andtheFairCreditReportingAct(FCRA).
 
Author:D.D.Johnice2
TABLEOFCONTENTS
Section1.Shorttitle

Section2.FindingsanddeclarationofpurposeSection3.DefinitionsSection4.ExclusionsSection5:LicensingRequirementsSection6.ValidationofdebtsSection7.Communicationinconnectionwithdebtcollection
Section8.Telephonerecordingdevices;audiofiles;fileretentionSection9.AccessingconsumeraccountsSection10.ReportinginformationtoconsumerreportingagenciesSection11.HarassmentorabuseSection12.CivilliabilitySection13.CriminalLiabilitySection14.ArbitrationSection15.RelationtoStatelawsSection16.Effectivedate.
 
Author:D.D.Johnice3
Section1.Shorttitle
Thistitlemaybecitedasthe“DebtCollectionIndustryTransparencyAct.”
Section2.Findingsanddeclarationofpurpose
(a)
 
In2008,theFederalTradeCommissionreceived104,661complaintsaboutabusive,deceptiveandunfairdebtcollectors,anincreaseofmorethan14%over2007.Themajorityofthecomplaintsciteddebtcollectorsharassingconsumersandattemptingtocollectlargerpaymentsthanpermittedbylaw.Underanyeconomicconditions,abusivedebtcollectionpracticescontributetopersonalbankruptcies,higherconsumercosts,joblossesandinvasionsofprivacy.But,duringarecessionaryperiod,thesepracticesareparticularlydestructive,leavingdebt‐ridden,credit‐starvedconsumersunabletorentapartments,buyhomesorsecureorretainjobs.(b)
 
TherecessionhasleftmillionsofAmericansunemployedandunabletopaydebts.TheseAmericansrepresentalucrativeopportunityforabusiveandunlawfuldebtcollectors.(c)
 
Penaltiesprescribedunderexistinglawareineffectualdeterrentstodebtcollectors’abusivepracticesasevidencedbyincreasedcomplaints.(d)
 
Existinglawsandproceduresforredressingtheseinjuriesareinadequatetoprotectconsumers.(e)
 
DebtcollectorsroutinelyskirttheprovisionsandrestrictionsoftheFDCPAandFCRA.(f)
 
Debtcollectionagenciesroutinelyemployconvictedfelonsandpersonsconvictedofmisdemeanorforgeryorfraudcharges.(g)
 
Itisthepurposeofthistitletoincreasethetransparencyofthedebtcollectionindustry,toincreaseconsumerprotections,toincreasetheeffectivenessofpenaltiesprescribedunderFDCPAandFCRA,toeliminateabusivedebtcollectionpracticesbydebtcollectorsandtoimproveStatesabilitytoprotectconsumersagainstsuchabuses.
Section3.Definitions
Asusedinthistitle—(1)
 
Theterm“CallerID”meansanydevice,softwareorservicethatprovidessubscribersthenameandtelephonenumberofacaller.(2)
 
Theterm“Commission”meanstheFederalTradeCommission(3)
 
Theterm“communication”meanstheconveyingofinformationregardingadebtdirectlyorindirectlytoanypersonthroughanymedium.(4)
 
Theterm“consumer”meansanynaturalpersonobligatedorallegedlyobligatedtopayanydebt.
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