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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. 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 of ConTenTs 801 Short title 802 Congressional findings and declaration of purpose 803 Definitions 804 Acq

(3) The term “consumer” means any natural person obli-gated or allegedly obligated to pay any debt. (4) The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a

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