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Fair
Debt Collection Practices Act
What is
the Fair Debt Collection Practices Act (FDCPA)?
The Fair Debt Collection Practices Act (FDCPA) helps eliminate abusive
debt collection practices. Under this law, debt collectors cannot:
- Contact
you at any unusual time or place.
- Contact
you at work if you have informed them not to call you there.
- Use threat
of violence of other criminal means to harm you or your property.
- Call you
with the intent to annoy, abuse, or harass.
- Call you
without identifying themselves.
- Use deceptive
or misleading methods to collect debt.
Whom should
I contact if I feel the FDCPA has been violated?
If you feel the Fair Debt Collection Practices Act has been violated,
contact the appropriate federal regulatory agency:
If your
complaint or question concerns a:
State-chartered
bank that is not a member of the Federal Reserve System:
Contact:
Federal Deposit Insurance Corporation
Division of Compliance and Consumer Affairs
550 17th Street, NW
Washington, D.C. 20429
1-877-ASK-FDIC
(1-877-275-3342)
1-800-925-4618 (TDD)
For local calls: 1-202-736-0000
Email:
consumer@fdic.gov
Internet: http://www.fdic.gov
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State
banks that are members of the Federal Reserve System:
Contact:
Federal Reserve Board
Division of Consumer and Community Affairs
MS 803
20th and C Streets, NW
Washington, D.C. 20551
1-202-452-3000
Internet: http://www.bog.frb.fed.us/
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Nationally-chartered
bank (National or N.A. will be part of the name):
Contact:
Office of the Comptroller of the Currency
1301 McKinney Stree
tSuite 3710
Houston, TX 77010
1-800-613-6749
Email:
Customer.Assistance@occ.treas.gov
Internet: http://www.occ.treas.gov
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Federal
savings and loan (S&L) or federally-chartered savings
banks (FSBs):
Contact:
Office of Thrift Supervision
Office of Consumer Programs
1700 G Street, NW
Washington,
D.C. 20552
1-800-842-6829
Email:
consumer.complaint@ots.treas.gov
Internet: www.ots.treas.gov
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Federally-chartered
credit union:
Contact:
National Credit Union Administration
1775 Duke Street
Alexandria, Virginia 22314-3428
703-518-6300
Internet:
http://www.ncua.gov
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General
questions and complaints:
Contact:
Federal Trade Commission
Consumer Response Center
6th and Pennsylvania Avenue, NW
Washington, D.C. 20580
1-877-FTC-HELP
(1-877-382-4357
Email:
consumerline@ftc.gov
Internet: http://www.ftc.gov
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Fair
Housing Complaints:
Contact:
Department of Housing and Urban Development (HUD)
Office of Fair Housing and Equal Opportunity
451 7th Street, SW
Room 5100
Washington, D.C. 20410
1-800-669-9777
Internet:
http://www.hud.gov
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Complaints
against all kinds of creditors can be referred to:
Department
of Justice
Civil Rights Division
650 Pennsylvania Avenue, NW
Washington, D.C. 205030
202-514-2151
Internet:
http://www.usdoj.gov/crt
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