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Federal Regulations

Fair Debt Collection Practices Act

What is the Fair Debt Collection Practices Act (FDCPA)?

The Fair Debt Collection Practices Act (FDCPA) helps eliminate abusive debt collection practices. Under this law, debt collectors cannot:

  • Contact you at any unusual time or place.

  • Contact you at work if you have informed them not to call you there.

  • Use threat of violence of other criminal means to harm you or your property.

  • Call you with the intent to annoy, abuse, or harass.

  • Call you without identifying themselves.

  • Use deceptive or misleading methods to collect debt.

Whom should I contact if I feel the FDCPA has been violated?

If you feel the Fair Debt Collection Practices Act has been violated, contact the appropriate federal regulatory agency:

If your complaint or question concerns a:

State-chartered bank that is not a member of the Federal Reserve System:

Contact:
Federal Deposit Insurance Corporation
Division of Compliance and Consumer Affairs
550 17th Street, NW
Washington, D.C. 20429

1-877-ASK-FDIC (1-877-275-3342)
1-800-925-4618 (TDD)
For local calls: 1-202-736-0000

Email: consumer@fdic.gov
Internet: http://www.fdic.gov

State banks that are members of the Federal Reserve System:

Contact:
Federal Reserve Board
Division of Consumer and Community Affairs
MS 803
20th and C Streets, NW
Washington, D.C. 20551

1-202-452-3000

Nationally-chartered bank (National or N.A. will be part of the name):

Contact:
Office of the Comptroller of the Currency
1301 McKinney Street
Suite 3710
Houston, TX 77010

1-800-613-6749

Email: Customer.Assistance@occ.treas.gov
Internet: http://www.occ.treas.gov

Federal savings and loan (S&L) or federally-chartered savings banks (FSBs):

Contact:
Office of Thrift Supervision
Office of Consumer Programs
1700 G Street, NW
Washington, D.C. 20552

1-800-842-6829

Email: consumer.complaint@ots.treas.gov
Internet: www.ots.treas.gov

Federally-chartered credit union:

Contact:
National Credit Union Administration
1775 Duke Street
Alexandria, Virginia 22314-3428

703-518-6300

Internet: http://www.ncua.gov

General questions and complaints:

Contact:
Federal Trade Commission
Consumer Response Center
6th and Pennsylvania Avenue, NW
Washington, D.C. 20580

1-877-FTC-HELP (1-877-382-4357

Email: consumerline@ftc.gov
Internet: http://www.ftc.gov

Fair Housing Complaints:

Contact:
Department of Housing and Urban Development (HUD)
Office of Fair Housing and Equal Opportunity
451 7th Street, SW
Room 5100
Washington, D.C. 20410

1-800-669-9777

Internet: http://www.hud.gov

Complaints against all kinds of creditors can be referred to:

Department of Justice
Civil Rights Division
650 Pennsylvania Avenue, NW
Washington, D.C. 205030

202-514-2151

Internet: http://www.usdoj.gov/crt

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