15 U.S.C. §1692 — Congressional findings and declaration of purpose

fdcpa-15usc-1692

15 U.S.C. §1692 — Congressional findings and declaration of purpose.

Context section — definitions / scope / findings. Included for completeness; it carries no standalone compliance obligations of its own.

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15 U.S.C. §1692 — Congressional findings and declaration of purpose

(a) Abusive practices 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) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. (c) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. (d) Interstate commerce 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) Purposes It is the purpose of this subchapter 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.

Source: 15 U.S.C. §1692 — Congressional findings and declaration of purpose · source URL · snapshot b0a0fac18b918d64

15 U.S.C. §1692 note — source credit and editorial notes (not statute text)

(Pub. L. 90–321, title VIII, § 802, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 874.)

Source: 15 U.S.C. §1692 note — source credit and editorial notes (not statute text) · source URL · snapshot b0a0fac18b918d64

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Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692/ · register fdcpa-15usc-1692 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.