Public Law 95-109
E620448
Public Law 95-109 is the 1977 U.S. federal statute that enacted the Fair Debt Collection Practices Act, establishing nationwide rules and protections against abusive debt collection practices.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Public Law 95-109 canonical | 1 |
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal statute
ⓘ
public law ⓘ |
| allows | private right of action by consumers ⓘ |
| amends | Consumer Credit Protection Act NERFINISHED ⓘ |
| appliesTo | third-party debt collectors ⓘ |
| authorizes |
class actions for FDCPA violations
ⓘ
statutory damages for consumers ⓘ |
| codifiedIn | Title 15 of the United States Code ⓘ |
| codifiedSections | 15 U.S.C. §§ 1692–1692p ⓘ |
| country |
United States of America
ⓘ
surface form:
United States
|
| doesNotGenerallyApplyTo | original creditors ⓘ |
| enactedBy | 95th United States Congress NERFINISHED ⓘ |
| enactmentDate | September 20, 1977 ⓘ |
| enactmentYear | 1977 ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
NERFINISHED
ⓘ
Federal Trade Commission NERFINISHED ⓘ |
| hasAbbreviation | FDCPA NERFINISHED ⓘ |
| hasShortTitle | Fair Debt Collection Practices Act NERFINISHED ⓘ |
| influenced | state debt collection laws ⓘ |
| jurisdiction | federal law of the United States ⓘ |
| language | English ⓘ |
| legalArea | consumer financial law ⓘ |
| partOf | Consumer Credit Protection Act NERFINISHED ⓘ |
| prohibits |
false or misleading representations in debt collection
ⓘ
harassing debt collection practices ⓘ publication of consumer debt lists except to credit bureaus ⓘ threats of violence in debt collection ⓘ unauthorized charges and fees in debt collection ⓘ unfair debt collection practices ⓘ use of obscene or profane language in debt collection ⓘ |
| protects | consumers ⓘ |
| providesFor | civil liability for violations ⓘ |
| publicLawNumber | Pub.L. 95-109 NERFINISHED ⓘ |
| purpose |
to eliminate abusive debt collection practices
ⓘ
to ensure that debt collectors who refrain from abusive practices are not competitively disadvantaged ⓘ to promote fair debt collection ⓘ to provide consumers with a means for disputing and obtaining validation of debt information ⓘ |
| regulates | debt collectors ⓘ |
| requires | debt validation notice to consumers ⓘ |
| sets |
limits on communications with consumers
ⓘ
restrictions on contacting third parties about a debt ⓘ rules for contacting consumers at work ⓘ time-of-day restrictions for debt collection calls ⓘ |
| signedBy | Jimmy Carter NERFINISHED ⓘ |
| statutesAtLargeCitation | 91 Stat. 874 ⓘ |
| subjectMatter |
consumer protection
ⓘ
debt collection ⓘ |
| titleOfAct | Fair Debt Collection Practices Act NERFINISHED ⓘ |
Referenced by (1)
Full triples — surface form annotated when it differs from this entity's canonical label.