THE FAIR DEBT COLLECTION PRACTICES ACT(美国公平催收法案).doc

THE FAIR DEBT COLLECTION PRACTICES ACT 公平债务催收法案 As amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996) To amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors. 为了规制债务催收人滥用催收行为而修订消费者信贷保护法案。 Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, That the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.) is amended by adding at the end thereof the following new title: TITLE VIII - DEBT COLLECTION PRACTICES? [Fair Debt Collection Practices Act] Sec.801.? Short Title802.? Congressional findings and declaration of purpose803.? Definitions804.? Acquisition of location information805.? Communication in connection with debt collection806.? Harassment or abuse807.? False or misleading representations808.? Unfair practice809.? Validation of debts810.? Multiple debts811.? Legal actions by debt collectors812.? Furnishing certain deceptive forms813.? Civil liability814.? Administrative enforcement815.? Reports to Congress by the Commission816.? Relation to State laws817.? Exemption for State regulation818.? Effective date § 801.? Short Title? [15 USC 1601 note] This title may be cited as the Fair Debt Collection Practices Act. § 802.? Congressional findings and declarations of purpose? [15 USC 1692] (a) 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. 1.有充足的证据表明，许多债务催收者通过滥用催收手段、欺骗、不公平的催收手段等方式来进行催收工作。滥用催收手段导致了大量的个人破产、婚姻关系破裂、失业和对个人隐私的侵犯等不良后果的产生。 (b) Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 2. 现行的相关法律法规对消费者的保护力度不够。 (c) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 3. 应当使用除