<P> The Fair Debt Collection Practices Act ( FDCPA ) , Pub . L. 95 - 109 ; 91 Stat. 874 , codified as 15 U.S.C. § 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 's stated purposes are : to eliminate abusive practices in the collection of consumer debts , 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 . 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 . </P>
<P> The Fair Debt Collection Practices Act ( FDCPA ) , Pub . L. 95 - 109 ; 91 Stat. 874 , codified as 15 U.S.C. § 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 's stated purposes are : to eliminate abusive practices in the collection of consumer debts , 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 . 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 . </P>
who is covered by the fair debt collection practices act
who is covered by the fair debt collection practices act
consumers
consumers