source:
  type: statute
  id: fdcpa-15usc-1692
  authority: 15 U.S.C. §1692 — Congressional findings and declaration of purpose
  description: 15 U.S.C. §1692 — Congressional findings and declaration of purpose.
  coverage_tier: context
obligations:
- id: fdcpa-15usc-1692-full
  canonical_id: fdcpa-15usc-1692-full
  section: 15 U.S.C. §1692 — Congressional findings and declaration of purpose
  type: reference
  tags:
  - regulator-direct
  - federal-statute
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1692 — Congressional findings and declaration of purpose
    source_class: usc-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692
    snapshot_id: 2b299197f1e4742a
    fetched_at: '2026-05-24T16:52:26Z'
    content_hash: sha256:0d9365a34aeba7f51b640b3838c230b9432b728f3960afbb84519f2911cf570c
    paragraph_quote: (a) Abusive practices There is abundant evidence of the use of
      abusive, deceptive, and unfair debt collection practices by many debt collectors.
      Abusive debt collection practices contribute to the number of personal bankruptcies,
      to marital instability, to the loss of jobs, and to invasions of individual
      privacy. (b) Inadequacy of laws Existing laws and procedures for redressing
      these injuries are inadequate to protect consumers . (c) Available non-abusive
      collection methods Means other than misrepresentation or other abusive debt
      collection practices are available for the effective collection of debts . (d)
      Interstate commerce Abusive debt collection practices are carried on to a substantial
      extent in interstate commerce and through means and instrumentalities of such
      commerce. Even where abusive debt collection practices are purely intrastate
      in character, they nevertheless directly affect interstate commerce. (e) Purposes
      It is the purpose of this subchapter to eliminate abusive debt collection practices
      by debt collectors, to insure that those debt collectors who refrain from using
      abusive debt collection practices are not competitively disadvantaged, and to
      promote consistent State action to protect consumers against debt collection
      abuses. ( Pub. L. 90–321, title VIII, § 802 , as added Pub. L. 95–109 , Sept.
      20, 1977 , 91 Stat. 874 .)
  judgment: false
