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 arises. 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. .
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Sec. 3
Debt collection practices for debt collectors hired by government agencies
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