15 USC § 1692d — Harassment or abuse
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.
Verbatim regulatory text
Verbatim provisions from 15 USC § 1692d — Harassment or abuse — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
15 U.S.C. §1692d
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.
Operationalizing 15 USC § 1692d — Harassment or abuse
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Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692d/
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