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FDCPA with 100% correct answers latest update
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FDCPA with 100% correct answers latest update
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FDCPA15 U.S.C. § l681 a (4)
Congressional Findings
- consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect
tor the consumers right to privacy
- a consumer has a right to privacy. (No much thing as public records) FDCPA
15 U.S.C. § 1692d
Harassment or Abuse Violations;
1.) Cannot threat which will harm the person physically, reputation, or property
2.) use of obscene or profane language (congress never defined threat or profane language is, so the
consumer judges that)
3.) every call is abuse and harassment 1.) $1k from FDCPA or 2.) every call is $500 and $1.5k after the
10th with TCPA
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15 U.S.C. § 1602 (j)
Truth in Lending Act
Open end credit plan- anything that’s open end is never ending its unlimited, you can spend how ever
much rn.
15 U.S.C. § 1681 b
- any consumer reporting agency must furnish a consumer under the following circumstances and no
other: in accordance w/ written instructions of the consumer to whom it relates.
(Enough power to get anything removed) FCRA
Individual Action
- a better term for violation
- Congress uses the term individual action
Creditor
- a person who extends their credit
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