Fair Debt Collection Practices Act
Staff Opinion Letters
(April 1988 to May 2002)
NOTE: Except in unusual circumstances, the staff will no longer issue informal written interpretations of the FDCPA. However, the staff may issue informal opinions or revise its Staff Commentary as necessary to provide guidance regarding significant amendments to the FDCPA in the future.
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Section 803(2) [1692a(2)]
Definition of "communication"
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Section 803(3) [1692a(3)]
Definition of "consumer"
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Section 803(4) [1692a(4)]
Definition of "creditor"
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Section 803(5) [1692a(5)]
Definition of "debt"
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Section 803(6) [1692a(6)]
Definition of "debt collector"
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Section 803(6)(A) [1692a(6)(A)]
Creditor exemption
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Section 803(6)(B) [1692a(6)(B)]
Affiliates exemption
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Section 803(6)(C) [1692a(6)(C)]
Government agency exemption
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Section 803(6)(F)(ii) [1692a(6)(F)(ii)]
Originated debt exemption
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Section 803(6)(F)(iii) [1692a(6)(F)(iii)]
Debt not in default exemption
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Section 803(7) [1692a]
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Definition of "location information"
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Section 804 [1692b]
Acquiring location information
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Section 805(a)(2) [1692c(a)(2)]
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Representation of consumer by an attorney
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Section 805(b) [1692c(b)]
Communications with third parties
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Section 805(d) [1692c(d)]
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Definition of "consumer" under this section
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Section 806(3) [1692d(3)]
Publishing lists of consumers
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Section 807(1) [1692e(1)]
Misrepresenting affiliation with government
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Section 807(2)(A) [1692e]
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Misrepresenting debt
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Section 807(3) [1692e(3)]
Impersonating an attorney
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Section 807(5) [1692e(5)]
False threats of legal action
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Section 807(8) [1692e(8)]
Communicating false credit information
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Section 807(9) [1692e(9)]
Misrepresenting affiliation
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Section 807(10) [1692e(10)]
Deception
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Section 807(11) [1692e(11)]
Disclosing collection purpose
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Section 807(14) [1692e(14)]
True business name
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Section 807(16) [1692e(16)]
Impersonating a credit bureau
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Section 808(1) [1692f(1)]
Illegal charges
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Section 808(6) [1692f(6)]
Nonjudicial action
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Section 809 [1692g]
Debt validation
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Section 809(a) [1692g(a)]
Notice of validation rights
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Section 809(b) [1692g(b)]
Validation of the debt
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Section 811 [1692i]
Inconvenient forums
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Section 812 [1692j]
Furnishing deceptive forms
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Section 813 [1692k]
Civil liability
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Section 813 (2)(b)
Determining amount of liability
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Section 813 (d) [1692k(d)]
Jurisdiction and statute of limitations
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Section 814 [1692l] Administrative enforcement
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Section 814 (b) [1692l (b)] Enforcement by other government agencies
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Section 816 [1692n]
Relation to state laws
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Section 817
Exemptions for state regulations
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