1. FAIR DEBT COLLECTION PRACTICES ACT

2.  Applies only to the activities of debt collectors.  Credit unions are generally exempt.  Applies only to consumer debts. COVERAGE

3.  Reasonable time and place  Contact with member’s attorney  Contact at member’s place of employment  Restrictions on third party contact  Refusal by the Member  Initial Communication  Subsequent Communications  Validation of Debt Notice CONTACT RULES

4.  Harassment  False, Deceptive or Misleading Representations  Unfair Practices  Deceptive Forms PROHIBITIONS