Fair debt collection practices act as amended by public law 111 203 title x 124 stat 2092 2010 as a public service the staff of the federal trade commission ftc has prepared the following complete text of the fair debt collection practices act. Analysis and compliance guidance to the fdcpa state fair debt collection laws and regulations state debt management laws key common law issues and quick reference guides to state regulations and licensing requirements for both collection agencies and. Fair debt collection broadly refers to regulation of the united states debt collection industry at both the federal and state level at the federal level it is primarily governed by the fair debt collection practices act fdcpa. State fair debt collection laws collection agencies and bill collectors in all 50 states are governed by the federal fair debt collection practices act the fdpa prohibits debt collectors from engaging in abusive unfair and deceptive collection tactics. Fair debt collection practices act cfpb annual report 2017 2 message from richard cordray director of the cfpb the year 2017 marks the fortieth anniversary of the enactment of the fair debt collection practices act fdcpa in enacting that law congress found abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors and
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