FAIR DEBT COLLECTION PRACTICES ACT
As amended by Pub. L. 109-351, §§ 801-02, 120 Stat. 1966 (2006)
As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §§ 1692-1692p.
Please note that the format of the text differs in minor ways from the U.S. Code and West's U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
- § 801 Short title
- § 802 Congressional findings and declaration of purpose
- § 803 Definitions
- § 804 Acquisition of location information
- § 805 Communication in connection with debt collection
- § 806 Harassment or abuse
- § 807 False or misleading representations
- § 808 Unfair practices
- § 809 Validation of debts
- § 810 Multiple debts
- § 811 Legal actions by debt collectors
- § 812 Furnishing certain deceptive forms
- § 813 Civil liability
- § 814 Administrative enforcement
- § 815 Reports to Congress by the Commission
- § 816 Relation to State laws
- § 817 Exemption for State regulation
- § 818 Exception for certain bad check enforcement programs operated by private entities
- § 819 Effective date