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Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) regulates the collection practices of third-party debt collectors and grants the Federal Trade Commission (FTC) enforcement authority over non-bank, third-party debt collectors. The Dodd-Frank Act authorizes the Bureau of Consumer Financial Protection to write regulations implementing and updating the FDCPA.

In 2020, seven years after the initiation of rulemaking on this topic, the Bureau published two final rules to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe federal rules governing the activities of third-party debt collectors. As stated by Director Kraninger, the new rule provided clear rights for consumers and gave consumers greater control when communicating with debt collectors.

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