FAIR DEBT COLLECTION PRACTICE ACT USA
As amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996)
To amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.
Be it enacted by the Senate and House of Representatives of the United States of America in Congressassembled,
That the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.) is amended by adding atthe end thereof the following new title:TITLE VIII - DEBT COLLECTION PRACTICES
[Fair Debt Collection Practices Act]
Sec.801. Short Title802. Congressional findings and declaration of purpose803. Definitions804. Acquisition of location information805. Communication in connection with debt collection806. Harassment or abuse807. False or misleading representations808. Unfair practice809. Validation of debts810. Multiple debts811.Legal actions by debt collectors812. Furnishing certain deceptive forms813. Civil liability814. Administrative enforcement815. Reports to Congress by the Commission816. Relation to State laws817. Exemption for State regulation818. Effective date
801. Short Title
[15 USC 1601 note]
This title may be cited as the "Fair Debt Collection Practices Act."
802. Congressional findings and declarations of purpose
[15 USC 1692]
(a) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices bymany debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.(b) Existing laws and procedures for redressing these injuries are inadequate to protect consumers.(c) Means other than misrepresentation or other abusive debt collection practices are available for theeffective collection of debts.(d) Abusive debt collection practices are carried on to a substantial extent in interstate commerce andthrough means and instrumentalities of such commerce. Even where abusive debt collection practices