Sec. 3. Debt collection practices for debt collectors hired by government agencies
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The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended by inserting after section 812 ( 15 U.S.C. 1692j ) the following: A Federal agency that is a creditor may sell or transfer a debt described in section 803(5)(B) to a debt collector not earlier than 90 days after the date on which the obligation or alleged obligation becomes delinquent or defaults. Before transferring or selling a debt described in section 803(5)(B) to a debt collector or contracting with a debt collector to collect such a debt, a Federal agency shall notify the consumer not fewer than 3 times that the Federal agency will take such action. The second and third notifications described in paragraph
(1)shall be made not less than 30 days after the date on which the previous notification is made. . The table of contents for the Fair Debt Collection Practices Act is amended by inserting after the item relating to section 812 the following: 812A. Debt collection practices for debt collectors hired by Federal agencies. .
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Sec. 3
Debt collection practices for debt collectors hired by government agencies
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