15 USC § 1692d — Harassment or abuse

Name: 15 USC § 1692d — Harassment or abuse — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fdcpa-15usc-1692d

FDCPA's general prohibition against harassment, oppression, or abuse in debt collection, with six enumerated prohibited acts: violence threats, obscene language, public debtor lists, sale-of-debt advertising, repeated/continuous calls intended to annoy, and placement of calls without meaningful caller-identity disclosure. Applies to [LENDER] when acting as debt collector or under Reg F first-party overlay.

This register: .xlsx .csv

source:
  type: regulation
  id: fdcpa-15usc-1692d
  authority: 15 USC § 1692d — Harassment or abuse
  description: |
    FDCPA's general prohibition against harassment, oppression, or abuse
    in debt collection, with six enumerated prohibited acts: violence
    threats, obscene language, public debtor lists, sale-of-debt
    advertising, repeated/continuous calls intended to annoy, and
    placement of calls without meaningful caller-identity disclosure.
    Applies to [LENDER] when acting as debt collector or under Reg F
    first-party overlay.
  effective_date: '1977-09-20'
  date_basis: 'statutory credit line: enactment date of the latest amendment listed (OLRC U.S. Code snapshot 4bc83238f39b5b2d); an amendment''s own effective-date provision may set a different date'
obligations:
  - id: fdcpa-15usc-1692d-full
    canonical_id: fdcpa-15usc-1692d-full
    section: 15 U.S.C. §1692d
    description: '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 thr…'
    type: dont
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: 15 USC § 1692d
      source_class: fdcpa-statute
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692d&num=0&edition=prelim
      snapshot_id: 4bc83238f39b5b2d
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:9d71130d78830e11e44753235cf0ea7bee24385fb958516d75a0136c3fcce5df
      paragraph_quote: '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 1681a(f) or 1681b(3) [1] of this title. (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 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller’s identity.'
      drafter_attestation: 'Verbatim 15 U.S.C. §1692d text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot 4bc83238f39b5b2d; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot 50d865831f94c000: the same words, without Cornell''s rendering artifacts (a space before punctuation after every cross-reference link).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
    notes_split_to: fdcpa-15usc-1692d-notes
  - id: fdcpa-15usc-1692d-notes
    canonical_id: fdcpa-15usc-1692d-notes
    section: 15 U.S.C. §1692d note — source credit and editorial notes (not statute text)
    description: 'Editorial matter printed after the statute text: the source credit (enacting and amending public laws) and any footnotes or notes (e.g. Historical and Revision Notes, committee reports, References in Text). Not part of the operative statute.'
    type: note
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - statute-notes
      - not-statute-text
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1692d note — source credit and editorial notes (not statute text)
      source_class: fdcpa-statute
      source_url: https://www.law.cornell.edu/uscode/text/15/1692d
      snapshot_id: 50d865831f94c000
      fetched_at: '2026-05-24T19:33:25Z'
      content_hash: sha256:50d865831f94c00050d865831f94c00050d865831f94c00050d865831f94c000
      paragraph_quote: ( Pub. L. 90–321, title VIII, § 806 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 877 .) [1] See References in Text note below.
      drafter_attestation: Split 2026-09-26 (scripts/split-statute-notes.py) from fdcpa-15usc-1692d-full, whose quote ran past the end of 15 U.S.C. §1692d into the section's source credit and editorial notes. Verbatim tail of that quote; substring-verified against snapshot 50d865831f94c000.
    split_from: fdcpa-15usc-1692d-full

Verbatim regulatory text (2)

Verbatim provisions from 15 USC § 1692d — Harassment or abuse — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

15 U.S.C. §1692d

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 1681a(f) or 1681b(3) [1] of this title. (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 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller’s identity.

Source: 15 USC § 1692d · source URL · snapshot 4bc83238f39b5b2d

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

( Pub. L. 90–321, title VIII, § 806 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 877 .) [1] See References in Text note below.

Source: 15 U.S.C. §1692d note — source credit and editorial notes (not statute text) · source URL · snapshot 50d865831f94c000

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Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692d/ · register fdcpa-15usc-1692d · 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.