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Fair Debt Collection Practices Act

fair debt Collection Practices Act15 1692-1692pLast amended July 2010 THE fair debt Collection Practices ACTAs amended by Pub. L. 111-203, title X, 124 Stat. 2092 (2010)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 note that the format of the text differs in minor ways from the Code and West s Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant Code citation is included with each section heading.

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi-cation relates to the collection of a debt; and (6) after the debt collector knows the consumer is repre-

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