Fair Debt Collection Practices Act (FDCPA)

Fair Debt Collection Practices Act (FDCPA)

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Description

This is a policy guide to adhere to the Fair Debt Collection Practices Act. This guide is typically purchased with the Mortgage Servicing Guide. This a separate policy guide. Once purchased this guide will be customized to your specifications. You will receive an immediate invoice receipt with a download link to a questionnaire with some simple questions to answer and receive your customized guide within 24-48 hours. This is written for independent mortgage bankers but can be customized for depository financial institutions and credit unions. 

Table of Contents

FAIR DEBT COLLECTION PRACTICES ACT POLICY (FDCPA)

PURPOSE

  • Abusive Practices
  • Inadequacy of Laws
  • Available Non-Abusive Collection Methods
  • Interstate Commerce

SCOPE

FDCPA GENERAL REQUIREMENTS AND PROHIBITIONS

  • Communications with the Consumer
  • Ceasing Communication
  • Location Information
  • Harassment or Abuse
  • False or Misleading Statements
  • Unfair Practices
  • Validation of the Debt
  • Disputed Debts
  • Multiple Debts
  • Legal Actions by Lender
  • Deceptive Forms
  • State Laws

APPENDIX A (DEFINITIONS)

  • Communication
  • Consumer
  • Creditor
  • Debt
  • Debt Collector
  • Location Information