What US Fair Debt Collection Practices Act 1977 (FDCPA) - Collector Conduct and Consumer Rights requires
The Fair Debt Collection Practices Act (15 USC 1692, 1977) prohibits abusive, unfair, and deceptive practices by third-party debt collectors; requires a written validation notice within 5 days of first contact; restricts calls to 7am-9pm local time; prohibits contacting consumers at their workplace if the employer objects; and is enforced by the CFPB (since Dodd-Frank 2010) and FTC; Regulation F (12 CFR Part 1006, effective November 2021) updated FDCPA for email, text, and social media communications.
Pillar: Operations & CX · Authority: Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) · Version: 1.0.0 · Last updated:
Primary source: https://www.consumerfinance.gov/rules-policy/regulations/1006/
SHA-256 integrity: 8394e0edbddd6df0a74660e6371e696fcf6fd301743b40e93c6beb216e60c48f
Primary Citations — 6 traced to source
- {"title":"Fair Debt Collection Practices Act (15 USC 1692) - CFPB Regulation F","url":"https://www.consumerfinance.gov/rules-policy/regulations/1006/","section":"12 CFR Part 1006 - Regulation F implementing FDCPA; Sections 1692c (communication), 1692d (harassment), 1692e (false statements), 1692g (validation)"}
- {"title":"FDCPA Statute - 15 USC Chapter 41 Subchapter V","url":"https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim","section":"Full text of FDCPA including Sections 1692a-1692p; private right of action Section 1692k"}
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