§ 1692. Congressional findings and declaration of purpose
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(a)Abusive practices 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.
(b)Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
(c)Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
(d)Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
(e)Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
(Pub. L. 90–321, title VIII, § 802, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 874.)
Connections317 cite this · traces to 2
Cited by 317 sections · top 60
U.S. Code
- § 5481Definitions
- § 3718Contracts for collection services
- § 1692aDefinitions
- § 1692fUnfair practices
- § 1692cCommunication in connection with debt collection
- § 1692gValidation of debts
- § 1692kCivil liability
- § 1692eFalse or misleading representations
- § 1692dHarassment or abuse
- § 1692lAdministrative enforcement
- § 1692jFurnishing certain deceptive forms
- § 1692bAcquisition of location information
- § 1692mReports to Congress by the Bureau; views of other Federal agencies
- § 1692iLegal actions by debt collectors
- § 6306Qualified tax collection contracts
- § 6822Administrative enforcement
- § 1692oExemption for State regulation
- § 1692nRelation to State laws
- § 1692hMultiple debts
CFR
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statutes-at-large
- Public Law 102–393Making appropriations for the Treasury Department, the United States Postal Service, the Executive Office of the President, and certain Independent Agencies, for the fiscal year ending September 30, 1993, and for other purposes
- Public Law 105–60To provide for the exchange of lands within Admiralty Island National Monument, and for other purposes
- Public Law 99–590To amend the Wild and Scenic Rivers Act, and for other purposes
- Public Law 101–136Making appropriations for the Treasury Department, the United States Postal Service, the Executive Office of the President, and certain Independent Agencies, for the fiscal year ending September 30, 1990, and for other purposes
- Public Law 97–365To increase the efficiency of Government-wide efforts to collect debts owed the United States and to provide additional procedures for the collection of debts owed the United States
- Public Law 98–443To amend the federal Aviation Act of 1958 to terminate certain functions of the Civil Aeronautics Board, to transfer certain functions of the Board to the Secretary of Transportation, and for other purposes
- Public Law 101–73To reform, recapitalize, and consolidate the Federal deposit insurance system, to enhance the regulatory and enforcement powers of Federal financial institutions regulatory agencies, and for other purposes
- Public Law 96–74Making appropriations for the Treasury Department, the United States Postal Service, the Executive Office of the President, and certain Independent Agencies, for the fiscal year ending September 30, 1980, and for other purposes
- Public Law 99–498To reauthorize and revise the Higher Education Act of 1965, and for other purposes
- Public Law 109–351To provide regulatory relief and improve productivity for insured depository institutions, and for other purposes
statute-compilations
Traces to 2 documents
7 references not yet in our index
- Pub. L. 90–321, title VIII, § 802
- Pub. L. 95–109
- 91 Stat. 874
- Pub. L. 90–321, title VIII, § 819
- 91 Stat. 883
- Pub. L. 109–351, title VIII, § 801(a)(1)
- 120 Stat. 2004
Citation graph
cites case law
§ 1692
Congressional findings and declaration of purpose
Fed. Reg.×157
Bills×100
Stat.×25
U.S.C.×20
C.F.R.×11
Stat. Comp.×4
Pub. L.Pub. L. 90–321, title VIII, § 802
Pub. L.Pub. L. 95–109
Stat.91 Stat. 874
Pub. L.Pub. L. 90–321, title VIII, § 819
Stat.91 Stat. 883
Cites 9 · showing 7Cited by 317 across 6 sources