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

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1、THEFAIRDEBTCOLLECTIONPRACTICESACT公平债务催收法案AsamendedbyPublicLaw104-208,110Stat.3009(Sept.30,1996)ToamendtheConsumerCreditProtectionActtoprohibitabusivepracticesbydebtcollectors.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。BeitenactedbytheSenateandHouseofRepresentativeso

2、ftheUnitedStatesofAmericainCongressassembled,ThattheConsumerCreditProtectionAct(15U.S.C.1601etseq.)isamendedbyaddingattheendthereofthefollowingnewtitle:TITLEVIII-DEBTCOLLECTIONPRACTICES [FairDebtCollectionPracticesAct]Sec.801. ShortTitle802. Congressi

3、onalfindingsanddeclarationofpurpose803. Definitions804. Acquisitionoflocationinformation805. Communicationinconnectionwithdebtcollection806. Harassmentorabuse807. Falseormisleadingrepresentations808. Unfairpractice809. Validationofdebts810. Multiplede

4、bts811. Legalactionsbydebtcollectors812. Furnishingcertaindeceptiveforms813. Civilliability814. Administrativeenforcement815. ReportstoCongressbytheCommission816. RelationtoStatelaws817. ExemptionforStateregulation818. Effectivedate§801. ShortTitle [1

5、5USC1601note]Thistitlemaybecitedasthe"FairDebtCollectionPracticesAct."§802. Congressionalfindingsanddeclarationsofpurpose [15USC1692](a)Thereisabundantevidenceoftheuseofabusive,deceptive,andunfairdebtcollectionpracticesbymanydebtcollectors.Abusivedebt

6、collectionpracticescontributetothenumberofpersonalbankruptcies,tomaritalinstability,tothelossofjobs,andtoinvasionsofindividualprivacy.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)Existinglawsandproced

7、uresforredressingtheseinjuriesareinadequatetoprotectconsumers.2.现行的相关法律法规对消费者的保护力度不够。(c)Meansotherthanmisrepresentationorotherabusivedebtcollectionpracticesareavailablefortheeffectivecollectionofdebts.3.应当使用除了欺骗和其他滥用的催收手段来进行有效的债务催收。(d)Abusivedebtcolle

8、ctionpracticesarecarriedontoasubstantialextentininterstatecommerceandthroughmeansandinstrumentalitiesofsuchcommerce.在洲际贸易和通过此种方法和手段进行商业交易的活动中，滥用催收手段的行为还继续大范围的存在着。。Evenwhereabusivedebtcollectionpracticesarepurelyintrastateincharacter,theynevert