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THE FAIR DEBT COLLECTION PRACTICES ACT(美国公平催收法案)
THE FAIR DEBT COLLECTION PRACTICES ACT
公平债务催收法案
As amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996)
To amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.
为了规制债务催收人滥用催收行为而修订消费者信贷保护法案。
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, That the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.) is amended by adding at the end thereof the following new title:
TITLE VIII - DEBT COLLECTION PRACTICES? [Fair Debt Collection Practices Act]
Sec. 801.? Short Title 802.? Congressional findings and declaration of purpose 803.? Definitions 804.? Acquisition of location information 805.? Communication in connection with debt collection 806.? Harassment or abuse 807.? False or misleading representations 808.? Unfair practice 809.? Validation of debts 810.? Multiple debts 811.? Legal actions by debt collectors 812.? Furnishing certain deceptive forms 813.? Civil liability 814.? Administrative enforcement 815.? Reports to Congress by the Commission 816.? Relation to State laws 817.? Exemption for State regulation 818.? Effective date
§ 801.? Short Title? [15 USC 1601 note]
This title may be cited as the "Fair Debt Collection Practices Act."
§ 802.? Congressional findings and declarations of purpose? [15 USC 1692]
(a) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
1.有充足的证据表明，许多债务催收者通过滥用催收手段、欺骗、不公平的催收手段等方式来进行催收工作。滥用催收手段导致了大量的个人破产、婚姻关系破裂、失业和对个人隐私的侵犯等不良后果的产生。
(b) Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
2. 现行的相关法律法规对消费者的保护力度不够。
(c) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
3. 应当使
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