; or who regularly collects debts currently or originally owed or allegedly owed to a Federal agency. ; and (B) in subparagraph (F), by inserting or that has been obtained by assignment or transfer from another after owed or due another . 3. Debt collection practices for debt collectors hired by government agencies The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended by inserting after section 812 ( 15 U.S.C. 1692j ) the following: 812A. Debt collection practices for debt collectors hired by Federal agencies (a) Limitation on time To turn debt over to debt collector A Federal agency that is a creditor may sell or transfer a debt described in section 803(5)(B) to a debt collector not earlier than 90 days after the date on which the obligation or alleged obligation becomes delinquent or defaults. (b) Required notice (1) In general Before transferring or selling a debt described in section 803(5)(B) to a debt collector or contracting with a debt collector to collect such a debt, a Federal agency shall notify the consumer not fewer than 3 times that the Federal agency will take such action. (2) Frequency of notifications The second and third notifications described in paragraph (1) shall be made not less than 30 days after the date on which the previous notification is made. . 4. Unfair practices Section 808 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ) is amended by striking paragraph (1) and inserting the following: (1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless— (A) such amount is expressly authorized by the agreement creating the debt or permitted by law; and (B) in the case of any amount charged by a debt collector collecting a debt described in section 803(5)(B), such amount is— (i) reasonable in relation to the actual costs of the collection; (ii) authorized by a contract between the debt collector and the Federal agency