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ebtollectionracticesct

THE FAIR DEBT COLLECTIONPRACTICESACT

As amended yPub.L. 109-351,$801-02,120Stat.19662006)As apublicservice, he staffof the FederalTrade Commission(FTC)haspreparedhe following complete ext of theFair Debt CollectionPracticesAct(FDCPA),sU.S.C.$$1692-1692p.Pleasenote that theformatofthe text differsin minor ways from the U.S.Code and West's U.S. CodeAnnotated. For example, hisversion usesFDCPAsection numbers n the headings.n addition, therelevant U.S. Code citationisincluded with each sectionheading.Although thestaffhas made everyeffortto transcribe he statutorymaterial accurately, hiscompendiums intended asa convenienceorthepublicandnot a substituteor the textintheU.S. Code.

Tanln oFCoNTENTS$801 Short itle$802 Congressionalindingsanddeclarationfpurpose$803 Definitions$804 Acquisitionof locationnformation$805 Communicationn connectionith debtcollection$806 Harassmentr abuse$807 Falseormisleading epresentations$808 Unfairpractices$809Validationof debts$810 Multipledebts$811Legalactionsy debtcollectors$812 Furnishingertaindeceptiveorms$813Civil liability$814 Administrative nforcement$815 ReportsoCongressy theCommission$816 RelationoStateaws$817 Exemptionor State egulation$818 Exceptionor certainbadcheckenforcementrogramsperated yprivateentities$819 Effective ate

15USC 601ote

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15USC 692a

5 801. hortitle

Thistitlemay becitedashe"FairDebtCollectionPrac-ticesAct."5 802.Gongressionalindingsanddeclarationfpurpose(a)There sabundantevidenceoftheuse of abusive,decep-tive,and unfairdebt collectionpracticesby manydebtcollectors.Abusivedebtcollectionpracticescontributeothe numberofpersonalbankruptcies,tomaritalinstability,to the lossofjobs,and to invasionsof individualprivacy.ft)Existinglawsandproceduresfor redressingthese injuriesare inadequateoprotectconsumers.(c)Meansother than misrepresentationor otherabusivedebtcollection practicesareavailable forthe effectivecollec-tionof debts.(d)Abusivedebt collectionpracticesare carriedon to asub-stantialextent ininterstatecommerceand through meansandinstrumentalitiesofsuch cofitmerce.Even whereabusivedebtcollectionpracticesarepurelyintrastate ncharacter,hey neverthelessdirectlyaffect interstatecom-merce.(e)Itis thepurposeof thistitle to eliminateabusive debtcol-lection practicesbydebt collectors,oinsurehat thosedebtcollectors who refrainfromusing abusivedebt col-lectionpracticesare not competitivelydisadvantaged,ndtopromoteconsistentStateaction toprotectconsumersagainstdebtcollection abuses.

E803.DefinitionsAsusedn thisitle-

(1)Theterm"Commission" means he FederalTradeCommission.The term "communication"means heconveying ofinformationregardinga debt directlyorindirectlytoanypersonhroughany medium.Theterm "consumer"meansanynaturalpersonobli-gatedor allegedlyobligatedtopayany debt.

(2)(3)

EBOl15USC 601note

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