source:
  type: regulation
  id: fdcpa-15usc-1692d
  authority: 15 USC § 1692d — Harassment or abuse
  description: 'FDCPA''s general prohibition against harassment, oppression, or abuse

    in debt collection, with six enumerated prohibited acts: violence

    threats, obscene language, public debtor lists, sale-of-debt

    advertising, repeated/continuous calls intended to annoy, and

    placement of calls without meaningful caller-identity disclosure.

    Applies to [LENDER] when acting as debt collector or under Reg F

    first-party overlay.

    '
obligations:
- id: fdcpa-15usc-1692d-full
  canonical_id: fdcpa-15usc-1692d-full
  section: 15 U.S.C. §1692d
  description: 'A debt collector may not engage in any conduct the natural consequence of which is to
    harass, oppress, or abuse any person in connection with the collection of a debt . Without limiting
    the general application of the foregoing, the following conduct is a violation of this section: (1)
    The use or thr…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692d
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692d
    snapshot_id: 50d865831f94c000
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:50d865831f94c00050d865831f94c00050d865831f94c00050d865831f94c000
    paragraph_quote: 'A debt collector may not engage in any conduct the natural consequence of which
      is to harass, oppress, or abuse any person in connection with the collection of a debt . Without
      limiting the general application of the foregoing, the following conduct is a violation of this
      section: (1) The use or threat of use of violence or other criminal means to harm the physical person,
      reputation, or property of any person. (2) The use of obscene or profane language or language the
      natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of
      consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons
      meeting the requirements of section 1681a(f) or 1681b(3) [1] of this title. (4) The advertisement
      for sale of any debt to coerce payment of the debt . (5) Causing a telephone to ring or engaging
      any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or
      harass any person at the called number. (6) Except as provided in section 1692b of this title ,
      the placement of telephone calls without meaningful disclosure of the caller’s identity. ( Pub.
      L. 90–321, title VIII, § 806 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 877 .) [1] See
      References in Text note below.'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692d from Cornell LII snapshot 50d865831f94c000;
      body isolated between nav and notes; substring-verified.
  judgment: false
