An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.
Acronyms (colloquial)
FDCPA
Enacted by
the 95th United States Congress
Citations
Public law
Pub. L.Tooltip Public Law (United States) 95–109
Statutes at Large
91 Stat. 874
Codification
Titles amended
Title 15
U.S.C. sections created
15 U.S.C. §§ 1692–1692p
Legislative history
Introduced in the House as H.R.5294 by Frank Annunzio (D–IL) on March 22, 1977
Passed the House on April 4, 1977
Passed the Senate on August 5, 1977 with amendment
House agreed to Senate amendment on September 8, 1977 ()
Signed into law by President Jimmy Carter on September 20, 1977
United States Supreme Court cases
Heintz v. Jenkins, 514 U.S. 291 (1995)
Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 (2010)
Marx v. General Revenue Corp., 568 U.S. 371 (2013)
Sheriff v. Gillie, No. 15-338, 578 U.S. ___ (2016)
Midland Funding, LLC v. Johnson, No. 16-348, 581 U.S. ___ (2017)
Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ (2017)
Obduskey v. McCarthy & Holthus LLP, No. 17-1307, 586 U.S. ___ (2019)
Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ (2019)
The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute's stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.[1] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.[2][3]
^Dlabay, Les R.; Burrow, James L.; Brad, Brad (2009). Intro to Business. Mason, Ohio: South-Western Cengage Learning. p. 472. ISBN 978-0-538-44561-0.
^"Fair Debt Collection Practices Act". Wex. Cornell Law School. Retrieved 14 June 2017.
^"Fair Debt Collection Practices Act". Federal Trade Commission. 12 August 2013. Retrieved 14 June 2017.
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such tactics violate the FairDebtCollectionPracticesAct. The source of phantom debt may be from collectors who buy the debt from other collectors for...
States, demand letters from a debt collector relating to a consumer debt must comply with the FairDebtCollectionPracticesAct. In certain types of legal...
damages can be set on a per-incident basis, such as in the FairDebtCollectionPracticesAct, which gives statutory damages of up to $1,000 for a violation...
would have a positive effect. These practices violated the FairDebtCollectionPracticesAct, the Truth in Lending Act, and the Dodd-Frank Wall Street Reform...
collector for a hospital bill would be covered under the FairDebtCollectionPracticesAct. Hospitals are prohibited from discriminating against or providing...
outstanding debts. Customers have rights under the U.S. FairDebtCollectionPracticeAct, which specifies they can ask in writing a debt-collection agency...
to the Consumer Financial Protection Act, the FairDebtCollectionPracticesAct, and the Fair Credit Reporting Act. In 2020, the CFPB filed a suit alleging...
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robotics competition Block party, a prohibited debtcollectionpractice under the FairDebtCollectionPracticesAct BlockParty, software for Character Technical...
trade practices involved in dealings between companies and other businesses or consumers may be considered fair and legal. Unfair business practices encompass...
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