Editing Fair Debt Collection Practices Act (section)

{{short description|U.S. consumer protection law}}
{{Infobox U.S. legislation
| shorttitle = Fair Debt Collection Practices Act
| othershorttitles = 
| longtitle = An act to amend the [[Consumer Credit Protection Act]] to  prohibit  abusive  practices  by debt collectors.
| colloquialacronym = FDCPA
| nickname = 
| enacted by = 95th
| effective date = 
| public law url = 
| cite public law = {{uspl|95|109}}
| cite statutes at large = {{usstat|91|874}}
| acts amended = 
| acts repealed = 
| title amended = [[Title 15 of the United States Code|Title 15]]
| sections created = {{usc|15|1692|1692p}}
| sections amended = 
| leghisturl = https://www.congress.gov/bill/95th-congress/house-bill/5294/
| introducedin = House
| introducedbill = H.R.5294
| introducedby = [[Frank Annunzio]] ([[Democratic Party (United States)|D]]–[[Illinois|IL]])
| introduceddate = March 22, 1977
| committees = 
| passedbody1 = House
| passeddate1 = April 4, 1977
| passedvote1 = 
| passedbody2 = Senate
| passedas2 = <!-- used if the second body changes the name of the legislation -->
| passeddate2 = August 5, 1977
| passedvote2 = 
| conferencedate = 
| passedbody3 = 
| passeddate3 = 
| passedvote3 = 
| agreedbody3 = House
| agreeddate3 = September 8, 1977
| agreedvote3 = 
| agreedbody4 = <!-- used if agreedbody3 further amends legislation -->
| agreeddate4 = <!-- used if agreedbody3 further amends legislation -->
| agreedvote4 = <!-- used if agreedbody3 further amends legislation -->
| passedbody4 = 
| passeddate4 = 
| passedvote4 = 
| signedpresident = [[Jimmy Carter]]
| signeddate = September 20, 1977
| unsignedpresident = <!-- used when passed without presidential signing -->
| unsigneddate = <!-- used when passed without presidential signing -->
| vetoedpresident = <!-- used when passed by overriding presidential veto -->
| vetoeddate = <!-- used when passed by overriding presidential veto -->
| overriddenbody1 = <!-- used when passed by overriding presidential veto -->
| overriddendate1 = <!-- used when passed by overriding presidential veto -->
| overriddenvote1 = <!-- used when passed by overriding presidential veto -->
| overriddenbody2 = <!-- used when passed by overriding presidential veto -->
| overriddendate2 = <!-- used when passed by overriding presidential veto -->
| overriddenvote2 = <!-- used when passed by overriding presidential veto -->
| amendments = 
| SCOTUS cases = {{ubl|''Heintz v. Jenkins'', {{ussc|514|291|1995}}|''Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA'', {{ussc|559|573|2010}}|''Marx v. General Revenue Corp.'', {{ussc|568|371|2013}}|''[[Sheriff v. Gillie]]'', {{ussc|docket=15-338|volume=578|year=2016}}|''Midland Funding, LLC v. Johnson'', {{ussc|docket=16-348|volume=581|year=2017}}|''[[Henson v. Santander Consumer USA Inc.]]'', {{ussc|docket=16-349|volume=582|year=2017}}|''Obduskey v. McCarthy & Holthus LLP'', {{ussc|docket=17-1307|volume=586|year=2019}}|''[[Rotkiske v. Klemm]]'', {{ussc|docket=18-328|volume=589|year=2019}}}}
}}

The '''Fair Debt Collection Practices Act''' ('''FDCPA'''), [[List of United States federal legislation#Public laws|Pub. L.]] [[95th United States Congress|95]]-109; 91 [[United States Statutes at Large|Stat.]] 874, codified as {{usc|15|1692}} –1692p, approved on September 20, 1977 (and as subsequently amended), is a [[consumer protection]] amendment, establishing legal protection from abusive [[debt collection]] practices, to the [[Consumer Credit Protection Act]], as Title VIII of that Act. The [[statute|statute's]] stated purposes are: to eliminate abusive practices in the collection of consumer [[debt]]s, 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.<ref>{{cite book |title= Intro to Business|last1= Dlabay|first1= Les R. |last2=Burrow |first2=James L. |last3=Brad |first3= Brad |year= 2009|publisher= South-Western [[Cengage Learning]]|location= [[Mason, Ohio]]|isbn=978-0-538-44561-0 |page=472}}</ref> 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]].<ref>{{cite web|title=Fair Debt Collection Practices Act|url=https://www.law.cornell.edu/wex/fair_debt_collection_practices_act|website=Wex|publisher=Cornell Law School|access-date=14 June 2017}}</ref><ref>{{cite web|title=Fair Debt Collection Practices Act|url=https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text|website=Federal Trade Commission|date=12 August 2013 |access-date=14 June 2017}}</ref>