TAILIEUCHUNG - F air D ebt C ollection P ractices A ct

To enable us to focus on the contracts accepted by consumers, we suppress the strategic interaction between firms and define equilibrium directly in terms of the contracts that survive competitive Since a borrower’s behavior in period 0 can depend only on ˆ β, the competitive equilibrium will be a set of contracts {(ci, i)}i∈{2, , I } for the possible ˆ β types β2 through For a firm to calculate the expected profits from a contract, and for a borrower to decide which of the contracts available on the market to choose, market participants must predict how a borrower will behave if she chooses a. | P A air ebt ollection ractices ct THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 109-351 801-02 120 Stat. 1966 2006 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 fDcPA 15 . 1692-1692p. Please note that the format of the text differs in minor ways from the . Code and West s . Code Annotated. For example this version uses FDCPA section numbers in the headings. In addition the relevant . Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately this compendium is intended as a convenience for the public and not a substitute for the text in the . Code. Table of Contents 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 practices 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 Exception for certain bad check enforcement programs operated by private entities 819 Effective date

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