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FTC Staff Opinion Letters On The FDCPA

Section 803(2) [1692a(2)]
Definition of "communication"
Gibson (07-13-94)
LaScuola (05-17-94)
Jones (12-30-92)
Novak (10-08-92)
Section 803(3) [1692a(3)]
Definition of "consumer"
Goff (12-13-93)
Section 803(4) [1692a(4)]
Definition of "creditor"
Fedele (08-30-96)
Pratt (09-16-93)
Goeringer (09-15-93)
Zepkin (09-13-93)
 
Section 803(5) [1692a(5)]
Definition of "debt"
Chesworth (09-16-97)
Cutter (12-13-96)
Green (09-17-96)
Dempsey (09-13-96)
Samuels (06-26-95)
Evans (08-12-93)
Palmer (08-27-92)
Dunn (08-17-92)
 
Section 803(6) [1692a(6)]
Definition of "debt collector"
LeVine (03-20-98)
Stanley (09-13-96)
Fortney (09-13-96)
Bergstrom (11-17-95)
Goodacre (11-06-95)
Arbuckle (12-22-93)
Zepkin (09-16-93)
Goeringer (09-15-93)
Cardonick (05-17-93)
Isgrigg (12-22-92)
Zager (11-10-92)
Isgrigg (11-10-92)
Novak (10-08-92)
Masters (09-10-92)
LoPresti (05-04-92)
 
Section 803(6)(A) [1692a(6)(A)]
Creditor exemption
Zepkin (09-16-93)
Goeringer (09-15-93)
Cardonick (05-17-93)
 
Section 803(6)(B) [1692a(6)(B)]
Affiliates exemption
Feldman (03-23-94)
 
Section 803(6)(C) [1692a(6)(C)]
Government agency exemption
Mezines (05-17-94)
Willison (07-15-93)

Section 803(6)(F) [1692a(6)(F)]
Collecting for another exemption
Farmer (08-30-96)

Section 803(6)(F)(iii) [1692a(6)(F)(iii)]
Debt purchaser exemption
Fortney (09-13-96)
Cardonick (05-17-93)
Torkildson (11-09-92)
Sheehan (08-31-92)

Section 804 [1692b]
Acquiring location information
Charest (09-13-96)
 
Section 805(b) [1692c(b)]
Communications with third parties
Jones (12-30-92)
Borowski (11-06-92)
Zbrzeznj (09-21-92)
Fisher (08-19-92)
 
Section 806(3) [1692d(3)]
Publishing lists of consumers
Mezines (05-17-94)

Section 807(1) [1692e(1)]
Misrepresenting affiliation with government
Crouch (09-10-96)
Burwell (08-11-92)
Section 807(2)(A) [1692e(2)(A)]
Misrepresenting legal status of debt
Mezines (05-17-94)
 
Section 807(3) [1692e(3)]
Impersonating an attorney
Challed (05-16-94)
Douglass (11-26-93)
 
Section 807(5) [1692e(5)]
False threats of legal action
Douglass (11-26-93)
 
Section 807(9) [1692e(9)]
Misrepresenting affiliation
Chesworth (09-16-97)
Douglass (11-26-93)

Section 807(10) [1692e(10)]
Deception
LaScuola (05-17-94)
Challed (05-16-94)
Douglass (11-26-93)
LoPresti (05-04-92)

Section 807(11) [1692e(11)]
Disclosing collection purpose
Gamache (07-15-97)
Kramer (11-13-96)
Stewart (01-05-93)
Zager (11-10-92)

Section 807(14) [1692e(14)]
True business name
Bergstrom (11-17-95)
LaScuola (05-17-94)
Zager (11-10-92)

Section 807(16) [1692e(16)]
Impersonating a credit bureau
Isgrigg (12-22-92)
Isgrigg (11-10-92)

Section 808(1) [1692f(1)]
Illegal charges
Gibson (07-13-94)
Wilson (05-13-94)
Matthews (05-17-93)
 
Section 809 [1692g]
Debt validation
Cass (12-23-97)
Berger (05-29-97)
Pavelka (05-18-94)
Castle (06-13-95)
Isgrigg (12-22-92)
Novak (10-08-92)

Section 809(a) [1692g(a)]
Notice of validation rights
Berger (05-29-97)
Kroft (03-08-96)
Miller (05-13-94)
Halverson (11-15-93)
Stewart (01-05-93)
Zager (11-10-92)

Section 809(b) [1692g(b)]
Validation of the debt
Bergstrom (11-17-95)
Berger (05-29-97)
Wollman (03-10-93)
Krisor (03-03-92)

Section 811 [1692i]
Inconvenient forums
Krisor (02-10-94)
Halverson (11-15-93)
Zepkin (09-16-93)
Masters (09-10-92)

Section 812 [1692j]
Furnishing deceptive forms
Beekman (12-13-96)

Section 816 [1692n]
Relation to State laws
Pratt (07-22-92)

 

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