The Fair Debt Collection Practices Act (FDCPA) is a statute added in 1978 as Title VIII of the Consumer Credit Protection Act.

“Its 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. 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.” This is from an article found on Wikipedia titled:”Fair Debt Collection Practices Act“.

Sember, Brette McWhorter. The Complete Credit Repair Kit. 2nd ed. Naperville, IL: Sphinx Publishing, 2008. Print.

When dealing with Debt emergencies you have the right to request that the creditor provide proper documentation of the debt. Since it can take several weeks for these documents to be provided allowing you some extra time to try and pull some funds together. The FDCPA laws cover not only the actual collection agencies but also people working as debt collectors.

When speaking with debt collectors make sure to get the name of the person calling, the company they work for, and an address and phone number you can use to contact them if necessary at a later date. Record all details of contact with each agency including time, date, and a brief summary of the conversation.

An article found on the Federal Trade Commission’s (FTC) website:”Facts for Consumers“.

Basically if you are behind on making bill payments, or a credit bureau has made it appear that way, you may be contacted by a debt collector. Under the Fair Debt Collection Practices Act you are protected from debt collectors using deceptive, unfair, and abusive methods to collect the debt. Debts that you have incurred in order to run a business are not covered by the FDCPA. Personal, family, household debt which includes money that you such us credit cards, mortgages, auto loans, etc.

Debt collectors are limited on the times that they are allowed to contact you. They cannot contact you outside the hours of 8 AM to 9 PM or even at work if they receive documentation they the calls are not acceptable. You are allowed to send a written letter to the debt collector requesting that they stop all contact. After that point they are only allowed to contact you (1) to let you know that they received your request and that there will be no further contact (2) or that they have chosen to take specific action.

The debt collector also must provide detailed information within five days of their first contact with you. The letter must contain the name of the creditor to whom you owe the money and what to do if you don’t think the account is yours.

The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Debt collectors are not allowed to:

• Harass you
• Make false statements
• They cannot claim that you will be arrested
• Claim they will garnish or seize your property without the permission to do so by law
• Share false information about you or use a false company name
• Engage in any unfair practices

§ 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
§ 801 15 USC 1601 note
§ 801. Short Title
This title may be cited as the “Fair Debt Collection Practices

Act.”
§ 802. Congressional findings and declaration of purpose
(a) There is abundant evidence of the use of abusive, deceptive,
and unfair debt collection practices by many debt
collectors. Abusive debt collection practices contribute to
the number of personal bankruptcies, to marital instability,
to the loss of jobs, and to invasions of individual privacy.
(b) Existing laws and procedures for redressing these injuries
are inadequate to protect consumers.

(c) Means other than misrepresentation or other abusive debt
collection practices are available for the effective collection
of debts.
(d) Abusive debt collection practices are carried on to a substantial
extent in interstate commerce and through means
and instrumentalities of such commerce. Even where
abusive debt collection practices are purely intrastate in
character, they nevertheless directly affect interstate commerce.
(e) It is the purpose of this title to eliminate abusive debt collection

practices by debt collectors, to insure that those
debt collectors who refrain from using abusive debt collection
practices are not competitively disadvantaged, and
to promote consistent State action to protect consumers
against debt collection abuses.
§ 803. Definitions
As used in this title—
(1) The term “Commission” means the Federal Trade
Commission.

(2) The term “communication” means the conveying of
information regarding a debt directly or indirectly to
any person through any medium.
(3) The term “consumer” means any natural person obligated
or allegedly obligated to pay any debt.
15 USC 1601 note
15 USC 1692
15 USC 1692a
§ 803 15 USC 1692a

(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
debt in default solely for the purpose of facilitating collection
of such debt for another.
(5) The term “debt” means any obligation or alleged
obligation of a consumer to pay money arising out of
a transaction in which the money, property, insurance

or services which are the subject of the transaction are
primarily for personal, family, or household purposes,
whether or not such obligation has been reduced to
judgment.
(6) The term “debt collector” means any person who uses
any instrumentality of interstate commerce or the mails
in any business the principal purpose of which is the
collection of any debts, or who regularly collects or
attempts to collect, directly or indirectly, debts owed

or due or asserted to be owed or due another. Notwithstanding
the exclusion provided by clause (F) of
the last sentence of this paragraph, the term includes
any creditor who, in the process of collecting his own
debts, uses any name other than his own which would
indicate that a third person is collecting or attempting
to collect such debts. For the purpose of section
808(6), such term also includes any person who uses
any instrumentality of interstate commerce or the mails

in any business the principal purpose of which is the
enforcement of security interests. The term does not
include—
(A) any officer or employee of a creditor while, in
the name of the creditor, collecting debts for such
creditor;
(B) any person while acting as a debt collector for
another person, both of whom are related by common
ownership or affiliated by corporate control,

if the person acting as a debt collector does so only
§ 803 15 USC 1692a
for persons to whom it is so related or affiliated and
if the principal business of such person is not the
collection of debts;
(C) any officer or employee of the United States or any
State to the extent that collecting or attempting to
collect any debt is in the performance of his official
duties;

(D) any person while serving or attempting to serve legal
process on any other person in connection with
the judicial enforcement of any debt;
(E) any nonprofit organization which, at the request
of consumers, performs bona fide consumer credit
counseling and assists consumers in the liquidation
of their debts by receiving payments from such
consumers and distributing such amounts to creditors;
and

(F) any person collecting or attempting to collect any
debt owed or due or asserted to be owed or due
another to the extent such activity
(i) is incidental to a bona fide fiduciary obligation
or a bona fide escrow arrangement;
(ii) concerns a debt which was originated by such
person;
(iii) concerns a debt which was not in default at the
time it was obtained by such person; or

(iv) concerns a debt obtained by such person as a
secured party in a commercial credit transaction
involving the creditor.
(7) The term “location information” means a consumer’s
place of abode and his telephone number at such place,
or his place of employment.
(8) The term “State” means any State, territory, or possession
of the United States, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision

of any of the foregoing.
§ 804 15 USC 1692b
§ 804. Acquisition of location information
Any debt collector communicating with any person other
than the consumer for the purpose of acquiring location information
about the consumer shall—
(1) identify himself, state that he is confirming or correcting
location information concerning the consumer, and,
only if expressly requested, identify his employer;

(2) not state that such consumer owes any debt;
(3) not communicate with any such person more than once
unless requested to do so by such person or unless
the debt collector reasonably believes that the earlier
response of such person is erroneous or incomplete and
that such person now has correct or complete location
information;
(4) not communicate by post card;
(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 communication
relates to the collection of a debt; and
(6) after the debt collector knows the consumer is represented
by an attorney with regard to the subject debt
and has knowledge of, or can readily ascertain, such
attorney’s name and address, not communicate with
any person other than that attorney, unless the attorney

fails to respond within a reasonable period of time to
the communication from the debt collector.
§ 805. Communication in connection with debt collection
(a) COMMUNICATION WITH THE CONSUMER GENERALLY.
Without the prior consent of the consumer given
directly to the debt collector or the express permission of
a court of competent jurisdiction, a debt collector may not
communicate with a consumer in connection with the collection
of any debt—

(1) at any unusual time or place or a time or place known
or which should be known to be inconvenient to the
15 USC 1692b
15 USC 1692c
§ 805 15 USC 1692c
consumer. In the absence of knowledge of circumstances
to the contrary, a debt collector shall assume that the
convenient time for communicating with a consumer
is after 8 o’clock antimeridian and before 9 o’clock

postmeridian, local time at the consumer’s location;
(2) if the debt collector knows the consumer is represented
by an attorney with respect to such debt and has knowledge
of, or can readily ascertain, such attorney’s name
and address, unless the attorney fails to respond within
a reasonable period of time to a communication from
the debt collector or unless the attorney consents to
direct communication with the consumer; or
(3) at the consumer’s place of employment if the debt collector

knows or has reason to know that the consumer’s
employer prohibits the consumer from receiving such
communication.
(b) COMMUNICATION WITH THIRD PARTIES. Except as
provided in section 804, without the prior consent of the
consumer given directly to the debt collector, or the express
permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a postjudgment judicial
remedy, a debt collector may not communicate, in connection

with the collection of any debt, with any person other
than a consumer, his attorney, a consumer reporting agency
if otherwise permitted by law, the creditor, the attorney of
the creditor, or the attorney of the debt collector.
(c) CEASING COMMUNICATION. If a consumer notifies a
debt collector in writing that the consumer refuses to pay a
debt or that the consumer wishes the debt collector to cease
further communication with the consumer, the debt collector
shall not communicate further with the consumer with

respect to such debt, except—
(1) to advise the consumer that the debt collector’s further
efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor
may invoke specified remedies which are ordinarily
invoked by such debt collector or creditor; or
§ 805 15 USC 1692c
(3) where applicable, to notify the consumer that the debt
collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification
shall be complete upon receipt.
(d) For the purpose of this section, the term “consumer” includes
the consumer’s spouse, parent (if the consumer is a
minor), guardian, executor, or administrator.
§ 806. Harassment or abuse
A debt collector may not engage in any conduct the natural
consequence of which is to harass, oppress, or abuse any
person in connection with the collection of a debt. Without

limiting the general application of the foregoing, the following
conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal
means to harm the physical person, reputation, or property
of any person.
(2) The use of obscene or profane language or language
the natural consequence of which is to abuse the hearer
or reader.
(3) The publication of a list of consumers who allegedly

refuse to pay debts, except to a consumer reporting
agency or to persons meeting the requirements of section
603(f) or 604(3) of this Act.
(4) The advertisement for sale of any debt to coerce payment
of the debt.
(5) Causing a telephone to ring or engaging any person
in telephone conversation repeatedly or continuously
with intent to annoy, abuse, or harass any person at the
called number.

(6) Except as provided in section 804, the placement of
telephone calls without meaningful disclosure of the
caller’s identity.
. Section 604(3) has been renumbered as Section 604(a)(3).
15 USC 1692d
§ 807 15 USC 1692e
§ 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading
representation or means in connection with the collection

of any debt. Without limiting the general application
of the foregoing, the following conduct is a violation of this
section:
(1) The false representation or implication that the debt
collector is vouched for, bonded by, or affiliated with
the United States or any State, including the use of any
badge, uniform, or facsimile thereof.
(2) The false representation of—
(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may
be lawfully received by any debt collector for the
collection of a debt.
(3) The false representation or implication that any individual
is an attorney or that any communication is from
an attorney.
(4) The representation or implication that nonpayment of
any debt will result in the arrest or imprisonment of
any person or the seizure, garnishment, attachment,

or sale of any property or wages of any person unless
such action is lawful and the debt collector or creditor
intends to take such action.
(5) The threat to take any action that cannot legally be
taken or that is not intended to be taken.
(6) The false representation or implication that a sale,
referral, or other transfer of any interest in a debt shall
cause the consumer to—
(A) lose any claim or defense to payment of the debt;

or
(B) become subject to any practice prohibited by this
title.
(7) The false representation or implication that the consumer
committed any crime or other conduct in order
to disgrace the consumer.
15 USC 1692e
§ 807 15 USC 1692e
(8) Communicating or threatening to communicate to any

person credit information which is known or which
should be known to be false, including the failure to
communicate that a disputed debt is disputed.
(9) The use or distribution of any written communication
which simulates or is falsely represented to be a document
authorized, issued, or approved by any court,
official, or agency of the United States or any State, or
which creates a false impression as to its source, authorization,
or approval.

(10) The use of any false representation or deceptive means
to collect or attempt to collect any debt or to obtain
information concerning a consumer.
(11) The failure to disclose in the initial written communication
with the consumer and, in addition, if the initial
communication with the consumer is oral, in that initial
oral communication, that the debt collector is attempting
to collect a debt and that any information obtained
will be used for that purpose, and the failure to disclose

in subsequent communications that the communication
is from a debt collector, except that this paragraph shall
not apply to a formal pleading made in connection with
a legal action.
(12) The false representation or implication that accounts
have been turned over to innocent purchasers for value.
(13) The false representation or implication that documents
are legal process.
(14) The use of any business, company, or organization

name other than the true name of the debt collector’s
business, company, or organization.
(15) The false representation or implication that documents
are not legal process forms or do not require action by
the consumer.
(16) The false representation or implication that a debt collector
operates or is employed by a consumer reporting
agency as defined by section 603(f) of this Act.
10

§ 808 15 USC 1692f
§ 808. Unfair practices
A debt collector may not use unfair or unconscionable
means to collect or attempt to collect any debt. Without limiting
the general application of the foregoing, the following
conduct is a violation of this section:
(1) The collection of any amount (including any interest,
fee, charge, or expense incidental to the principal obligation)
unless such amount is expressly authorized by

the agreement creating the debt or permitted by law.
(2) The acceptance by a debt collector from any person of
a check or other payment instrument postdated by more
than five days unless such person is notified in writing
of the debt collector’s intent to deposit such check or
instrument not more than ten nor less than three business
days prior to such deposit.
(3) The solicitation by a debt collector of any postdated
check or other postdated payment instrument for the

purpose of threatening or instituting criminal prosecution.
(4) Depositing or threatening to deposit any postdated
check or other postdated payment instrument prior to
the date on such check or instrument.
(5) Causing charges to be made to any person for communications
by concealment of the true propose of
the communication. Such charges include, but are not
limited to, collect telephone calls and telegram fees.
(6) Taking or threatening to take any nonjudicial action to

effect dispossession or disablement of property if—
(A) there is no present right to possession of the property
claimed as collateral through an enforceable
security interest;
(B) there is no present intention to take possession of
the property; or
(C) the property is exempt by law from such dispossession
or disablement.
15 USC 1692f

11
§ 808 15 USC 1692f
(7) Communicating with a consumer regarding a debt by
post card.
(8) Using any language or symbol, other than the debt collector’s
address, on any envelope when communicating
with a consumer by use of the mails or by telegram,
except that a debt collector may use his business name
if such name does not indicate that he is in the debt collection

business.
§ 809. Validation of debts
(a) Within five days after the initial communication with a
consumer in connection with the collection of any debt,
a debt collector shall, unless the following information is
contained in the initial communication or the consumer has
paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed
to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector
in writing within the thirty-day period that the
debt, or any portion thereof, is disputed, the debt collector
will obtain verification of the debt or a copy of
a judgment against the consumer and a copy of such

verification or judgment will be mailed to the consumer
by the debt collector; and
(5) a statement that, upon the consumer’s written request
within the thirty-day period, the debt collector will
provide the consumer with the name and address of the
original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within
the thirty-day period described in subsection (a) that the
debt, or any portion thereof, is disputed, or that the consumer

requests the name and address of the original credi-
15 USC 1692g
12
§ 809 15 USC 1692g
tor, the debt collector shall cease collection of the debt,
or any disputed portion thereof, until the debt collector
obtains verification of the debt or any copy of a judgment,
or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of

the original creditor, is mailed to the consumer by the debt
collector. Collection activities and communications that
do not otherwise violate this title may continue during
the 30-day period referred to in subsection (a) unless the
consumer has notified the debt collector in writing that the
debt, or any portion of the debt, is disputed or that the consumer
requests the name and address of the original creditor.
Any collection activities and communication during the
30-day period may not overshadow or be inconsistent with

the disclosure of the consumer’s right to dispute the debt or
request the name and address of the original creditor.
(c) The failure of a consumer to dispute the validity of a debt
under this section may not be construed by any court as an
admission of liability by the consumer.
(d) A communication in the form of a formal pleading in a
civil action shall not be treated as an initial communication
for purposes of subsection (a).
(e) The sending or delivery of any form or notice which

does not relate to the collection of a debt and is expressly
required by the Internal Revenue Code of 1986, title V of
Gramm-Leach-Bliley Act, or any provision of Federal or
State law relating to notice of data security breach or privacy,
or any regulation prescribed under any such provision
of law, shall not be treated as an initial communication in
connection with debt collection for purposes of this section.
§ 810. Multiple debts
If any consumer owes multiple debts and makes any single

payment to any debt collector with respect to such debts, such
debt collector may not apply such payment to any debt which
is disputed by the consumer and, where applicable, shall apply
such payment in accordance with the consumer’s directions.
15 USC 1692h
13
§ 811 15 USC 1692i
§ 811. Legal actions by debt collectors
(a) Any debt collector who brings any legal action on a debt

against any consumer shall—
(1) in the case of an action to enforce an interest in real
property securing the consumer’s obligation, bring
such action only in a judicial district or similar legal
entity in which such real property is located; or
(2) in the case of an action not described in paragraph (1),
bring such action only in the judicial district or similar
legal entity—
(A) in which such consumer signed the contract sued

upon; or
(B) in which such consumer resides at the commencement
of the action.
(b) Nothing in this title shall be construed to authorize the
bringing of legal actions by debt collectors.
§ 812. Furnishing certain deceptive forms
(a) It is unlawful to design, compile, and furnish any form
knowing that such form would be used to create the false
belief in a consumer that a person other than the creditor

of such consumer is participating in the collection of or in
an attempt to collect a debt such consumer allegedly owes
such creditor, when in fact such person is not so participating.
(b) Any person who violates this section shall be liable to the
same extent and in the same manner as a debt collector is
liable under section 813 for failure to comply with a provision
of this title.
§ 813. Civil liability
(a) Except as otherwise provided by this section, any debt collector

who fails to comply with any provision of this title
with respect to any person is liable to such person in an
amount equal to the sum of—
15 USC 1692i
15 USC 1692k
15 USC 1692j
14
§ 813 15 USC 1692k
(1) any actual damage sustained by such person as a result

of such failure;
(2) (A) in the case of any action by an individual, such
additional damages as the court may allow, but not
exceeding $1,000; or
(B) in the case of a class action,
(i) such amount for each named plaintiff as could
be recovered under subparagraph (A), and
(ii) such amount as the court may allow for all
other class members, without regard to a minimum

individual recovery, not to exceed the
lesser of $500,000 or 1 per centum of the net
worth of the debt collector; and
(3) in the case of any successful action to enforce the
foregoing liability, the costs of the action, together with
a reasonable attorney’s fee as determined by the court.
On a finding by the court that an action under this
section was brought in bad faith and for the purpose
of harassment, the court may award to the defendant

attorney’s fees reasonable in relation to the work expended
and costs.
(b) In determining the amount of liability in any action under
subsection (a), the court shall consider, among other
relevant factors—
(1) in any individual action under subsection (a)(2)(A),
the frequency and persistence of noncompliance by the
debt collector, the nature of such noncompliance, and
the extent to which such noncompliance was intentional;

or
(2) in any class action under subsection (a)(2)(B), the
frequency and persistence of noncompliance by the
debt collector, the nature of such noncompliance, the
resources of the debt collector, the number of persons
adversely affected, and the extent to which the debt
collector’s noncompliance was intentional.
15
§ 813 15 USC 1692k

(c) A debt collector may not be held liable in any action
brought under this title if the debt collector shows by a
preponderance of evidence that the violation was not intentional
and resulted from a bona fide error notwithstanding
the maintenance of procedures reasonably adapted to avoid
any such error.
(d) An action to enforce any liability created by this title may
be brought in any appropriate United States district court
without regard to the amount in controversy, or in any

other court of competent jurisdiction, within one year from
the date on which the violation occurs.
(e) No provision of this section imposing any liability shall
apply to any act done or omitted in good faith in conformity
with any advisory opinion of the Commission, notwithstanding
that after such act or omission has occurred, such
opinion is amended, rescinded, or determined by judicial
or other authority to be invalid for any reason.
§ 814. Administrative enforcement

(a) Compliance with this title shall be enforced by the Commission,
except to the extent that enforcement of the
requirements imposed under this title is specifically committed
to another agency under subsection (b). For purpose
of the exercise by the Commission of its functions and
powers under the Federal Trade Commission Act, a violation
of this title shall be deemed an unfair or deceptive act
or practice in violation of that Act. All of the functions and
powers of the Commission under the Federal Trade Commission

Act are available to the Commission to enforce
compliance by any person with this title, irrespective of
whether that person is engaged in commerce or meets any
other jurisdictional tests in the Federal Trade Commission
Act, including the power to enforce the provisions of this
title in the same manner as if the violation had been a violation
of a Federal Trade Commission trade regulation rule.
(b) Compliance with any requirements imposed under this title
shall be enforced under—

15 USC 1692l
16
(1) section 8 of the Federal Deposit Insurance Act, in the
case of—
(A) national banks, by the Comptroller of the Currency;
(B) member banks of the Federal Reserve System
(other than national banks), by the Federal Reserve
Board; and
(C) banks the deposits or accounts of which are insured

by the Federal Deposit Insurance Corporation
(other than members of the Federal Reserve
System), by the Board of Directors of the Federal
Deposit Insurance Corporation;
(2) section 5(d) of the Home Owners Loan Act of 1933,
section 407 of the National Housing Act, and sections
6(i) and 17 of the Federal Home Loan Bank Act, by the
Federal Home Loan Bank Board (acting directing or
through the Federal Savings and Loan Insurance Corporation),

in the case of any institution subject to any
of those provisions;
(3) the Federal Credit Union Act, by the Administrator of
the National Credit Union Administration with respect
to any Federal credit union;
(4) subtitle IV of Title 49, by the Interstate Commerce
Commission with respect to any common carrier subject
to such subtitle;
(5) the Federal Aviation Act of 1958, by the Secretary of

Transportation with respect to any air carrier or any
foreign air carrier subject to that Act; and
(6) the Packers and Stockyards Act, 1921 (except as provided
in section 406 of that Act), by the Secretary of
Agriculture with respect to any activities subject to that
Act.
(c) For the purpose of the exercise by any agency referred
to in subsection (b) of its powers under any Act referred
to in that subsection, a violation of any requirement imposed

under this title shall be deemed to be a violation of
a requirement imposed under that Act. In addition to its
§ 814 15 USC 1692l
17
powers under any provision of law specifically referred to
in subsection (b), each of the agencies referred to in that
subsection may exercise, for the purpose of enforcing compliance
with any requirement imposed under this title any
other authority conferred on it by law, except as provided

in subsection (d).
(d) Neither the Commission nor any other agency referred to
in subsection (b) may promulgate trade regulation rules or
other regulations with respect to the collection of debts by
debt collectors as defined in this title.
§ 815. Reports to Congress by the Commission
(a) Not later than one year after the effective date of this title
and at one-year intervals thereafter, the Commission shall
make reports to the Congress concerning the administration

of its functions under this title, including such recommendations
as the Commission deems necessary or appropriate.
In addition, each report of the Commission shall
include its assessment of the extent to which compliance
with this title is being achieved and a summary of the enforcement
actions taken by the Commission under section
814 of this title.
(b) In the exercise of its functions under this title, the Commission
may obtain upon request the views of any other

Federal agency which exercises enforcement functions
under section 814 of this title.
§ 816. Relation to State laws
This title does not annul, alter, or affect, or exempt any
person subject to the provisions of this title from complying
with the laws of any State with respect to debt collection
practices, except to the extent that those laws are inconsistent
with any provision of this title, and then only to the extent of
the inconsistency. For purposes of this section, a State law is

not inconsistent with this title if the protection such law affords
any consumer is greater than the protection provided by
this title.
15 USC 1692n
15 USC 1692m
§ 814 15 USC 1692l
18
§ 817 15 USC 1692o
§ 817. Exemption for State regulation

The Commission shall by regulation exempt from the
requirements of this title any class of debt collection practices
within any State if the Commission determines that under the
law of that State that class of debt collection practices is subject
to requirements substantially similar to those imposed by
this title, and that there is adequate provision for enforcement.
§ 818. Exception for certain bad check enforcement programs
operated by private entities
(a) In General.—

(1) TREATMENT OF CERTAIN PRIVATE ENTITIES.—
Subject to paragraph (2), a private entity shall be
excluded from the definition of a debt collector, pursuant
to the exception provided in section 803(6), with
respect to the operation by the entity of a program described
in paragraph (2)(A) under a contract described
in paragraph (2)(B).
(2) CONDITIONS OF APPLICABILITY.—Paragraph (1)
shall apply if—

(A) a State or district attorney establishes, within the
jurisdiction of such State or district attorney and
with respect to alleged bad check violations that do
not involve a check described in subsection (b), a
pretrial diversion program for alleged bad check
offenders who agree to participate voluntarily in
such program to avoid criminal prosecution;
(B) a private entity, that is subject to an administrative
support services contract with a State or district

attorney and operates under the direction, supervision,
and control of such State or district attorney,
operates the pretrial diversion program described in
subparagraph (A); and
(C) in the course of performing duties delegated to it by
a State or district attorney under the contract, the
private entity referred to in subparagraph (B)—
(i) complies with the penal laws of the State;
15 USC 1692p

15 USC 1692o
19
§ 818 15 USC 1692p
(ii) conforms with the terms of the contract and
directives of the State or district attorney;
(iii) does not exercise independent prosecutorial
discretion;
(iv) contacts any alleged offender referred to in
subparagraph (A) for purposes of participating

in a program referred to in such paragraph—
(I) only as a result of any determination by
the State or district attorney that probable
cause of a bad check violation under State
penal law exists, and that contact with the
alleged offender for purposes of participation
in the program is appropriate; and
(II) the alleged offender has failed to pay the
bad check after demand for payment, pursuant

to State law, is made for payment of
the check amount;
(v) includes as part of an initial written communication
with an alleged offender a clear and
conspicuous statement that—
(I) the alleged offender may dispute the validity
of any alleged bad check violation;
(II) where the alleged offender knows, or has
reasonable cause to believe, that the alleged

bad check violation is the result of
theft or forgery of the check, identity theft,
or other fraud that is not the result of the
conduct of the alleged offender, the alleged
offender may file a crime report with the
appropriate law enforcement agency; and
(III) if the alleged offender notifies the private
entity or the district attorney in writing, not

later than 30 days after being contacted for
the first time pursuant to clause (iv), that
there is a dispute pursuant to this subsection,
before further restitution efforts are
20
§ 818 15 USC 1692p
pursued, the district attorney or an employee
of the district attorney authorized
to make such a determination makes a

determination that there is probable cause
to believe that a crime has been committed;
and
(vi) charges only fees in connection with services
under the contract that have been authorized by
the contract with the State or district attorney.
(b) Certain Checks Excluded.—A check is described in this
subsection if the check involves, or is subsequently found
to involve—

(1) a postdated check presented in connection with a payday
loan, or other similar transaction, where the payee
of the check knew that the issuer had insufficient funds
at the time the check was made, drawn, or delivered;
(2) a stop payment order where the issuer acted in good
faith and with reasonable cause in stopping payment on
the check;
(3) a check dishonored because of an adjustment to the
issuer’s account by the financial institution holding

such account without providing notice to the person at
the time the check was made, drawn, or delivered;
(4) a check for partial payment of a debt where the payee
had previously accepted partial payment for such debt;
(5) a check issued by a person who was not competent, or
was not of legal age, to enter into a legal contractual
obligation at the time the check was made, drawn, or
delivered; or
(6) a check issued to pay an obligation arising from a

transaction that was illegal in the jurisdiction of the
State or district attorney at the time the check was
made, drawn, or delivered.
(c) Definitions.—For purposes of this section, the following
definitions shall apply:
21
§ 818 15 USC 1692p
(1) STATE OR DISTRICT ATTORNEY.—The term “State
or district attorney” means the chief elected or appointed

prosecuting attorney in a district, county (as
defined in section 2 of title 1, United States Code), municipality,
or comparable jurisdiction, including State
attorneys general who act as chief elected or appointed
prosecuting attorneys in a district, county (as so defined),
municipality or comparable jurisdiction, who
may be referred to by a variety of titles such as district
attorneys, prosecuting attorneys, commonwealth’s
attorneys, solicitors, county attorneys, and state’s attorneys,

and who are responsible for the prosecution of
State crimes and violations of jurisdiction-specific local
ordinances.
(2) CHECK.—The term “check” has the same meaning
as in section 3(6) of the Check Clearing for the 21st
Century Act.
(3) BAD CHECK VIOLATION.—The term “bad check
violation” means a violation of the applicable State
criminal law relating to the writing of dishonored

checks.
§ 819. Effective date
This title takes effect upon the expiration of six months
after the date of its enactment, but section 809 shall apply only
with respect to debts for which the initial attempt to collect occurs
after such effective date.
15 USC 1692 note
22
Legislative History

House Report: No. 95-131 (Comm. on Banking, Finance, and Urban Affairs)
Senate Report: No. 95-382 (Comm. on Banking, Housing and Urban Affairs)
Congressional Record, Vol. 123 (1977)
April 4, House considered and passed H.R. 5294.
Aug. 5, Senate considered and passed amended version of
H.R. 5294.
Sept. 8, House considered and passed Senate version.
Enactment: Public Law 95-109 (Sept. 20, 1977)
Amendments: Public Law Nos.

99-361 (July 9, 1986)
104-208 (Sept. 30, 1996)
109-351 (Oct. 13, 2006)
23
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