The Federal Trade Commission (“Commission”) is required by Section 815(a) of the Fair Debt Collection Practices Act (“FDCPA” or “Act”), 15 U.S.C. §§ 1692-1692o, to submit a report to Congress each year summarizing the administrative and enforcement actions it has taken under the Act over the preceding twelve months. These actions are part of the Commission’s ongoing effort to curtail abusive, deceptive, and unfair debt collection practices in the marketplace. Such practices have been known to cause various forms of consumer injury, including emotional distress, invasions of privacy, and the payment of amounts that are not owed, and can severely hamper consumers’ ability to function effectively at work. Although the Commission is vested with primary enforcement responsibility under the FDCPA, it shares overall enforcement responsibility with other federal agencies. In addition, consumers who believe they have been victims of statutory violations may seek relief in state or federal court. DOWNLOAD THE FULL REPORT IN PDF

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