source:
  type: regulation
  id: fdcpa-15usc-1692f
  authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692f — Unfair practices
  description: 'FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692f Unfair practices. Captured section-complete
    from Cornell LII (verbatim).

    '
obligations:
- id: fdcpa-15usc-1692f-full
  canonical_id: fdcpa-15usc-1692f-full
  section: 15 U.S.C. §1692f
  description: 'Unfair practices: A debt collector may not use unfair or unconscionable means to collect or attempt
    to collect any debt . Without limiting the general application of the foregoing, the following conduct is a
    violation of this section: (1) The collection of any amount (including any interest, fee, charge, or expense
    i…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692f
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1692f
    snapshot_id: 359eff89d6d29428
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4a8fb5e4241dd3788904ed573c6d02261d76e546f8fc0dfa5f6178cd379e6834
    paragraph_quote: 'A debt collector may not use unfair or unconscionable means to collect or attempt to collect
      any debt . Without limiting the general application of the foregoing, the following conduct is a violation
      of this section: (1) The collection of any amount (including any interest, fee, charge, or expense incidental
      to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt
      or permitted by law. (2) The acceptance by a debt collector from any person of a check or other payment instrument
      postdated by more than five days unless such person is notified in writing of the debt collector’s intent
      to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
      (3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for
      the purpose of threatening or instituting criminal prosecution. (4) Depositing or threatening to deposit any
      postdated check or other postdated payment instrument prior to the date on such check or instrument. (5) Causing
      charges to be made to any person for communications by concealment of the true purpose of the communication
      . Such charges include, but are not limited to, collect telephone calls and telegram fees. (6) Taking or threatening
      to take any nonjudicial action to effect dispossession or disablement of property if— (A) there is no present
      right to possession of the property claimed as collateral through an enforceable security interest; (B) there
      is no present intention to take possession of the property; or (C) the property is exempt by law from such
      dispossession or disablement. (7) Communicating with a consumer regarding a debt by post card. (8) Using any
      language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer
      by use of the mails or by telegram, except that a debt collector may use his business name if such name does
      not indicate that he is in the debt collection business. ( Pub. L. 90–321, title VIII, § 808 , as added Pub.
      L. 95–109 , Sept. 20, 1977 , 91 Stat. 879 .)'
    drafter_attestation: Verbatim slice of 15 U.S.C. §1692f from Cornell LII snapshot 359eff89d6d29428; body isolated
      between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
