FTC Staff Opinion Letters
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About this collection
What it is. Informal FTC staff opinion letters interpreting the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
How to use it. Filter by statute or section, or search the text. Each letter has its own page with the full text.
Limits. Staff letters are not binding Commission rulings and many have been superseded. Methodology
Informal FTC staff interpretations of the Fair Credit Reporting Act (1997-2001) and the Fair Debt Collection Practices Act (1988-2002), 183 letters, collected from the National Archives web harvest of the FTC site. CSV (CC0 for the compiled metadata).
Staff letters are not binding Commission rulings and many have been superseded. Not legal advice; not affiliated with the FTC.
| Letter | Statute | Date | Topic | Sections |
|---|---|---|---|---|
| Weisberg | FCRA | June 27, 1997 | Employer pre-adverse action report | Section 604(b)(3); Section 615(a) |
| Steer | FCRA | Oct. 21, 1997 | Pre-report disclosure to consumer by employer; authorization by consumer | Section 604(b)(2) |
| Solganik | FCRA | Oct. 23, 1997 | Pre-report disclosure to consumer by employer; authorization by consumer | Section 604(b)(2); Section 604(b)(3); Section 615(a) |
| Cast | FCRA | Oct. 27, 1997 | Definition of "consumer reporting agency" | Section 603(f); Section 615(a) |
| Hawkey | FCRA | Dec. 18, 1997 | Pre-report disclosure to consumer by employer; authorization by consumer | Section 604(b)(2); Section 604(b)(3); Section 606(a); Section 615(a) |
| Hahn | FCRA | Dec. 23, 1997 | User certification requirements; CRA obligation to provide summary of rights | Section 604(b)(1) |
| Harvey | FCRA | Dec. 23, 1997 | Duty of furnishers to provide notice of dispute | Section 623(a)(3); Section 623(a)(5) |
| Coffey | FCRA | Feb. 11, 1998 | Credit transaction | Section 604(a)(3)(A; Section 604(a)(3)(F); Section 604(b)(2); Section 604(b)(3) |
| Allison | FCRA | Feb. 23, 1998 | Definition of "person" | Section 603(b); Section 603(h); Section 604(b); Section 606; Section 615(a) |
| Buchman | FCRA | Mar. 2, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 604(a)(3)(C); Section 604(a)(3)(F); Section 604(c)(1)(A) |
| Schieber | FCRA | Mar. 3, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(k); Section 615(a) |
| Gillespie | FCRA | Mar. 10, 1998 | Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts | Section 623(a)(5) |
| Seham | FCRA | Apr. 17, 1998 | Time limits: Reporting adverse information (general) | Section 605(a)(5) |
| Lovern | FCRA | Apr. 24, 1998 | Reasonable procedures to assure maximum possible accuracy | Section 607(b) |
| Beaudette | FCRA | June 9, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 604(b); Section 606; Section 607(e); Section 609; Section 610 |
| Goeke | FCRA | June 9, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(f); Section 605(a)(5); Section 607(e) |
| Islinger | FCRA | June 9, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(d)(2); Section 603(f) |
| LeBlanc | FCRA | June 9, 1998 | Definition of "consumer reporting agency" | Section 603(f); Section 607(a); Section 607(b); Section 607(d); Section 607(e); Section 609(a)(3); Section 609(c) |
| Poquette | FCRA | June 9, 1998 | Definition of "consumer report" (general) | Section 603(d)(1) |
| Rosen | FCRA | June 9, 1998 | Consumer reports for employment purposes | Section 604(b); Section 604(b)(3); Section 605(a)(5); Section 607(e); Section 609(a)(3) |
| Copple | FCRA | June 10, 1998 | Definition of "consumer reporting agency" | Section 603(f) |
| Basting | FCRA | June 11, 1998 | Definition of "consumer report" (exception for employment agencies) | Section 603(o) |
| Brisch | FCRA | June 11, 1998 | Pre-report disclosure to consumer by employer; authorization by consumer | Section 604(b)(2); Section 604(b)(3); Section 606(a); Section 606(b) |
| Halpern | FCRA | June 11, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 605(a)(5) |
| Lewis | FCRA | June 11, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 604(b); Section 604(b)(3) |
| Hauxwell | FCRA | June 12, 1998 | Consumer reports for employment purposes | Section 604(b); Section 604(b)(2); Section 606(a); Section 606(b) |
| Slyter | FCRA | June 12, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(f); Section 604(b); Section 604(b)(2); Section 613 |
| Lee | FCRA | June 26, 1998 | Definition of "consumer reporting agency" | Section 603(f); Section 609; Section 612 |
| Hahn | FCRA | July 8, 1998 | Definition of "consumer report" (exception for employment agencies) | Section 603(o); Section 604(b)(3); Section 609(a)(1) |
| Hinkle | FCRA | July 9, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(d)(2); Section 603(e); Section 604(b)(3) |
| Pickett | FCRA | July 10, 1998 | Definition of "consumer report" (exclusions) | Section 603(d)(2); Section 603(f); Section 604(b); Section 606; Section 615(a) |
| Edwards | FCRA | July 15, 1998 | Notice of dispute in subsequent reports | Section 611(c) |
| Kaiser | FCRA | July 16, 1998 | Legitimate business need | Section 604(a)(3)(F) |
| Kelley | FCRA | July 16, 1998 | Definition of "consumer report" (exclusions) | Section 603(d)(2) |
| Jaffe | FCRA | July 17, 1998 | Duty of furnishers to provide accurate information | Section 623(a)(1) |
| Everson | FCRA | July 28, 1998 | Required notice of adverse action based on a consumer report | Section 615(a) |
| Kilgo | FCRA | July 28, 1998 | User certification requirements; CRA obligation to provide summary of rights | Section 604(b)(1); Section 604(b)(2); Section 618 |
| Bauchner | FCRA | Aug. 5, 1998 | Credit transaction | Section 604(a)(3)(A |
| James | FCRA | Aug. 5, 1998 | Pre-report disclosure to consumer by employer; authorization by consumer | Section 604(b)(2) |
| Haner | FCRA | Aug. 27, 1998 | Definition of "consumer report" (general) | Section 603(d)(1) |
| Johnson | FCRA | Aug. 31, 1998 | Time limits: Charge-off and collection accounts | Section 605(a)(4): Section 605(c); Section 623(a)(5) |
| Ross | FCRA | Sept. 2, 1998 | Employment purposes | Section 604(a)(3)(B) |
| Leathers | FCRA | Sept. 9, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(f); Section 604(b)(2); Section 604(b)(3) |
| Novak | FCRA | Sept. 9, 1998 | Definition of "consumer report" (exclusions) | Section 603(d)(2) |
| Greathouse | FCRA | Oct. 20, 1998 | Definition of "employment purposes" | Section 603(h); Section 603(k); Section 604(a)(3)(B); Section 604(a)(3)(C); Section 604(a)(3)(D) |
| Hall | FCRA | Oct. 26, 1998 | Definition of "adverse action" | Section 603(k); Section 615(a) |
| Greenblatt | FCRA | Oct. 27, 1998 | Legitimate business need | Section 604(a)(3)(F); Section 616-617; Section 621 |
| Solomon | FCRA | Oct. 27, 1998 | Definition of "employment purposes" | Section 603(h); Section 604(b)(3) |
| Tabler | FCRA | Oct. 27, 1998 | Definition of "consumer report" (general) | Section 603(d)(1); Section 611(a); Section 623(b) |
| Spritz | FCRA | Nov. 5, 1998 | Definition of "adverse action" | Section 603(k) |
| Sheffield | FCRA | Nov. 10, 1998 | Required notice of adverse action based on a consumer report | Section 615(a) |
| Throne | FCRA | Nov. 20, 1998 | Definition of "consumer reporting agency" | Section 603(f); Section 604(a)(3)(A |
| Nadell | FCRA | Dec. 10, 1998 | Time limits: Reporting adverse information (general) | Section 605(a)(5) |
| Riddle | FCRA | Mar. 17, 1999 | Required notice of adverse action based on information from a third party | Section 615(b) |
| Harris | FCRA | Mar. 22, 1999 | Reasonable procedures to assure maximum possible accuracy | Section 607(b); Section 623(a)(2) |
| Willner | FCRA | Mar. 25, 1999 | Definition of "investigative consumer report" | Section 603(e); Section 604(b)(2); Section 604(b)(3); Section 606(a); Section 606(b) |
| Vail | FCRA | Apr. 5, 1999 | Definition of "investigative consumer report" | Section 603(e); Section 603(f); Section 603(k); Section 604(b)(3) |
| Gowen | FCRA | Apr. 29, 1999 | Definition of "adverse action" | Section 603(k); Section 603(m); Section 604(a)(3)(A; Section 604(a)(3)(F) |
| Baughn | FCRA | Apr. 30, 1999 | Child support purposes | Section 604(a)(4-5) |
| Benner | FCRA | Apr. 30, 1999 | Credit transaction | Section 604(a)(3)(A; Section 604(a)(3)(F); Section 607(e); Section 609(a)(3) |
| Allan | FCRA | May 5, 1999 | Public record information for employment purposes | Section 613 |
| McCorkell | FCRA | June 3, 1999 | Reasonable procedures to assure maximum possible accuracy | Section 607(b) |
| Kosmerl | FCRA | June 4, 1999 | Time limits: Charge-off and collection accounts | Section 605(a)(4): Section 605(c); Section 623(a)(5) |
| Rosen | FCRA | June 4, 1999 | Time limits: Reporting adverse information (general) | Section 605(a)(5) |
| Shibley | FCRA | June 8, 1999 | Written authorization of consumer | Section 604(a)(2); Section 604(a)(3)(F) |
| Watkins | FCRA | June 24, 1999 | Reasonable procedures to assure maximum possible accuracy | Section 607(b); Section 623(a)(1); Section 623(c) |
| Cohan | FCRA | June 29, 1999 | Definition of "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis" | Section 603(p); Section 609(c); Section 615(a) |
| Woolford | FCRA | Aug. 6, 1999 | Credit transaction | Section 604(a)(3)(A; Section 604(a)(4-5) |
| Meisinger | FCRA | Aug. 31, 1999 | Definition of "investigative consumer report" | Section 603(e); Section 603(f); Section 604(b)(3) |
| Sum | FCRA | Sept. 15, 1999 | Definition of "consumer report" (general) | Section 603(d)(1); Section 603(f); Section 605(a)(5); Section 605(b) |
| Fischel | FCRA | Oct. 1, 1999 | Definition of "investigative consumer report" | Section 603(e); Section 604(b)(2) |
| Landever | FCRA | Oct. 12, 1999 | Written authorization of consumer | Section 604(a)(2); Section 604(a)(3)(A; Section 607(a) |
| Anonymous | FCRA | Nov. 5, 1999 | Time limits: Bankruptcies | Section 605(a)(1) |
| Holland | FCRA | Dec. 16, 1999 | Time limits: Reporting adverse information (general) | Section 605(a)(5); Section 613 |
| Allan | FCRA | Feb. 14, 2000 | Required notice of adverse action based on a consumer report | Section 615(a) |
| Amason | FCRA | Feb. 15, 2000 | Time limits: Charge-off and collection accounts | Section 605(a)(4): Section 605(c); Section 623(a)(5) |
| Boynton | FCRA | Feb. 15, 2000 | Duty of furnishers to provide accurate information | Section 623(a)(1); Section 623(a)(2) |
| Ball | FCRA | Mar. 1, 2000 | Definition of "adverse action" | Section 603(k); Section 604(a)(3)(C); Section 615(a) |
| Darcy | FCRA | June 30, 2000 | Information to be disclosed | Section 609(a)(1) |
| Long | FCRA | July 6, 2000 | Credit transaction | Section 604(a)(3)(A; Section 604(a)(3)(F); Section 616-617 |
| Stinneford | FCRA | July 14, 2000 | Definition of "adverse action" | Section 603(k); Section 615(a) |
| Tatelbaum | FCRA | July 26, 2000 | Definition of "consumer report" (general) | Section 603(d)(1); Section 604(a)(3)(A; Section 604(a)(3)(F) |
| Cohan | FCRA | Aug. 1, 2000 | Definition of "file" | Section 603(g); Section 609; Section 609(a)(3); Section 611(a); Section 612; Section 623(b) |
| Zalenski | FCRA | May 24, 2001 | Written authorization of consumer | Section 604(a)(2) |
| Tatelbaum2 | FCRA | June 22, 2001 | Credit transaction | Section 604(a)(3)(A |
| Latour | FCRA | June 28, 2001 | Definition of "adverse action" | Section 603(k); Section 615(a) |
| Nants | FDCPA | Notice of validation rights | Section 809(a) [1692g(a)]; Section 814 (b) [1692l (b)] | |
| Hall | FDCPA | Apr. 11, 1988 | Definition of "debt" | Section 803(5) [1692a(5)]; Section 809 [1692g] |
| Nants | FDCPA | Apr. 12, 1988 | Definition of "debt collector" | Section 803(6) [1692a(6)] |
| Fagin | FDCPA | Apr. 22, 1988 | Impersonating an attorney | Section 807(3) [1692e(3)]; Section 807(5) [1692e(5)]; Section 807(10) [1692e(10)]; Section 808(1) [1692f(1)]; Section 813 [1692k] |
| Hollcraft | FDCPA | May 10, 1988 | Representation of consumer by an attorney | Section 805(a)(2) [1692c(a)(2)] |
| Kaufman | FDCPA | June 13, 1988 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(B) [1692a(6)(B)]; Section 803(6)(F)(ii) [1692a(6)(F)(ii)] |
| Beekman | FDCPA | June 28, 1988 | Debt not in default exemption | Section 803(6)(F)(iii) [1692a(6)(F)(iii)]; Section 807(1) [1692e(1)]; Section 807(3) [1692e(3)]; Section 807(10) [1692e(10)] |
| Trubeck | FDCPA | Sept. 12, 1988 | Definition of "debt collector" | Section 803(6) [1692a(6)] |
| Klayman | FDCPA | Nov. 22, 1988 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(A) [1692a(6)(A)]; Section 807(5) [1692e(5)] |
| Miller | FDCPA | Dec. 30, 1988 | Definition of "debt" | Section 803(5) [1692a(5)]; Section 808(1) [1692f(1)] |
| Kwait | FDCPA | Jan. 24, 1989 | Acquiring location information | Section 804 [1692b]; Section 805(b) [1692c(b)]; Section 811 [1692i] |
| Nants | FDCPA | Mar. 1, 1989 | Definition of "debt" | Section 803(5) [1692a(5)]; Section 811 [1692i] |
| Knepper | FDCPA | Mar. 31, 1989 | Misrepresenting debt | Section 807(2)(A) [1692e]; Section 813 [1692k]; Section 814 [1692l] |
| Cranmer | FDCPA | Apr. 25, 1989 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(ii) [1692a(6)(F)(ii)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)]; Section 809 [1692g]; Section 809(a) [1692g(a)] |
| Keever | FDCPA | May 19, 1989 | Inconvenient forums | Section 811 [1692i] |
| Heninburg | FDCPA | July 13, 1989 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)]; Section 807(11) [1692e(11)]; Section 809 [1692g] |
| Krisor | FDCPA | Aug. 30, 1989 | Illegal charges | Section 808(1) [1692f(1)] |
| Gibson | FDCPA | Feb. 21, 1990 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Spinella | FDCPA | Feb. 21, 1990 | Deception | Section 807(10) [1692e(10)]; Section 807(16) [1692e(16)]; Section 812 [1692j] |
| Atteberry | FDCPA | Feb. 22, 1990 | Definition of "location information" | Section 803(7) [1692a]; Section 804 [1692b]; Section 805(b) [1692c(b)]; Section 805(d) [1692c(d)] |
| Lipsett | FDCPA | May 22, 1990 | Furnishing deceptive forms | Section 812 [1692j] |
| Paskowitz | FDCPA | July 18, 1990 | Definition of "creditor" | Section 803(4) [1692a(4)] |
| Albon | FDCPA | Dec. 5, 1990 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(ii) [1692a(6)(F)(ii)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Cline | FDCPA | Feb. 7, 1991 | Definition of "debt collector" | Section 803(6) [1692a(6)] |
| Edwards | FDCPA | Feb. 7, 1991 | Representation of consumer by an attorney | Section 805(a)(2) [1692c(a)(2)] |
| Philbin | FDCPA | May 24, 1991 | Definition of "debt" | Section 803(5) [1692a(5)] |
| Ronick | FDCPA | June 5, 1991 | Publishing lists of consumers | Section 806(3) [1692d(3)] |
| Bennett | FDCPA | July 8, 1991 | Definition of "debt collector" | Section 803(6) [1692a(6)] |
| Whitehead | FDCPA | July 19, 1991 | Publishing lists of consumers | Section 806(3) [1692d(3)]; Section 808(6) [1692f(6)] |
| Krisor | FDCPA | Mar. 3, 1992 | Validation of the debt | Section 809(b) [1692g(b)] |
| LoPresti | FDCPA | May 4, 1992 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 803(6) [1692a(6)]; Section 807(11) [1692e(11)]; Section 809 [1692g] |
| Burwell | FDCPA | Aug. 11, 1992 | Misrepresenting affiliation with government | Section 807(1) [1692e(1)] |
| Dunn | FDCPA | Aug. 17, 1992 | Definition of "debt" | Section 803(5) [1692a(5)] |
| Fisher | FDCPA | Aug. 19, 1992 | Communications with third parties | Section 805(b) [1692c(b)] |
| Palmer | FDCPA | Aug. 27, 1992 | Definition of "creditor" | Section 803(4) [1692a(4)]; Section 803(5) [1692a(5)] |
| Sheehan | FDCPA | Aug. 31, 1992 | Debt not in default exemption | Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Masters | FDCPA | Sept. 10, 1992 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 811 [1692i] |
| Zbrzeznj | FDCPA | Sept. 21, 1992 | Communications with third parties | Section 805(b) [1692c(b)] |
| Novak | FDCPA | Oct. 8, 1992 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 803(6) [1692a(6)]; Section 806(3) [1692d(3)]; Section 809 [1692g]; Section 809(a) [1692g(a)] |
| Borowski | FDCPA | Nov. 6, 1992 | Communications with third parties | Section 805(b) [1692c(b)] |
| Torkildson | FDCPA | Nov. 9, 1992 | Definition of "creditor" | Section 803(4) [1692a(4)]; Section 803(6) [1692a(6)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Isgrigg | FDCPA | Nov. 10, 1992 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)]; Section 807(11) [1692e(11)]; Section 807(16) [1692e(16)]; Section 809 [1692g] |
| Zager | FDCPA | Nov. 10, 1992 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 807(11) [1692e(11)]; Section 807(14) [1692e(14)]; Section 809 [1692g]; Section 809(a) [1692g(a)] |
| Isgrigg | FDCPA | Dec. 22, 1992 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 809 [1692g] |
| Jones | FDCPA | Dec. 30, 1992 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 805(b) [1692c(b)] |
| Stewart | FDCPA | Jan. 5, 1993 | Disclosing collection purpose | Section 807(11) [1692e(11)]; Section 809(a) [1692g(a)]; Section 817 |
| Wollman | FDCPA | Mar. 10, 1993 | Validation of the debt | Section 809(b) [1692g(b)] |
| Cardonick | FDCPA | May 17, 1993 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(A) [1692a(6)(A)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Matthews | FDCPA | May 17, 1993 | Illegal charges | Section 808(1) [1692f(1)] |
| Willison | FDCPA | July 15, 1993 | Government agency exemption | Section 803(6)(C) [1692a(6)(C)] |
| Evans | FDCPA | Aug. 12, 1993 | Definition of "debt" | Section 803(5) [1692a(5)] |
| Zepkin | FDCPA | Sept. 13, 1993 | Definition of "creditor" | Section 803(4) [1692a(4)] |
| Goeringer | FDCPA | Sept. 15, 1993 | Definition of "creditor" | Section 803(4) [1692a(4)]; Section 803(6) [1692a(6)] |
| Goeringer | FDCPA | Sept. 15, 1993 | Originated debt exemption | Section 803(6)(F)(ii) [1692a(6)(F)(ii)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Pratt | FDCPA | Sept. 16, 1993 | Definition of "creditor" | Section 803(4) [1692a(4)] |
| Zepkin | FDCPA | Sept. 16, 1993 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(A) [1692a(6)(A)]; Section 811 [1692i] |
| Halverson | FDCPA | Nov. 15, 1993 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(B) [1692a(6)(B)]; Section 804 [1692b]; Section 805(b) [1692c(b)]; Section 809(a) [1692g(a)]; Section 811 [1692i]; Sect |
| Douglass | FDCPA | Nov. 26, 1993 | Impersonating an attorney | Section 807(3) [1692e(3)]; Section 807(5) [1692e(5)]; Section 807(9) [1692e(9)]; Section 807(10) [1692e(10)] |
| Goff | FDCPA | Dec. 13, 1993 | Definition of "consumer" | Section 803(3) [1692a(3)] |
| Arbuckle | FDCPA | Dec. 22, 1993 | Definition of "creditor" | Section 803(4) [1692a(4)]; Section 803(6) [1692a(6)] |
| Krisor | FDCPA | Feb. 10, 1994 | Illegal charges | Section 808(1) [1692f(1)]; Section 811 [1692i] |
| Feldman | FDCPA | Mar. 23, 1994 | Affiliates exemption | Section 803(6)(B) [1692a(6)(B)]; Section 807(14) [1692e(14)] |
| Miller | FDCPA | May 13, 1994 | Notice of validation rights | Section 809(a) [1692g(a)]; Section 809(b) [1692g(b)] |
| Wilson | FDCPA | May 13, 1994 | Illegal charges | Section 808(1) [1692f(1)] |
| Challed | FDCPA | May 16, 1994 | Impersonating an attorney | Section 807(3) [1692e(3)]; Section 807(10) [1692e(10)] |
| LaScuola | FDCPA | May 17, 1994 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 805(b) [1692c(b)] |
| Mezines | FDCPA | May 17, 1994 | Government agency exemption | Section 803(6)(C) [1692a(6)(C)]; Section 806(3) [1692d(3)]; Section 807(10) [1692e(10)]; Section 807(14) [1692e(14)] |
| Pavelka | FDCPA | May 18, 1994 | Debt validation | Section 809 [1692g] |
| Gibson | FDCPA | July 13, 1994 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 808(1) [1692f(1)] |
| Castle | FDCPA | June 13, 1995 | Debt validation | Section 809 [1692g]; Section 809(b) [1692g(b)] |
| Samuels | FDCPA | June 26, 1995 | Definition of "debt" | Section 803(5) [1692a(5)] |
| Goodacre | FDCPA | Nov. 6, 1995 | Definition of "creditor" | Section 803(4) [1692a(4)]; Section 803(6) [1692a(6)] |
| Goodacre | FDCPA | Nov. 6, 1995 | Debt not in default exemption | Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Bergstrom | FDCPA | Nov. 17, 1995 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 803(6) [1692a(6)]; Section 807(14) [1692e(14)]; Section 809(a) [1692g(a)]; Section 809(b) [1692g(b)] |
| Kroft | FDCPA | Mar. 8, 1996 | Notice of validation rights | Section 809(a) [1692g(a)] |
| Farmer | FDCPA | Aug. 30, 1996 | Originated debt exemption | Section 803(6)(F)(ii) [1692a(6)(F)(ii)] |
| Fedele | FDCPA | Aug. 30, 1996 | Definition of "creditor" | Section 803(4) [1692a(4)] |
| Crouch | FDCPA | Sept. 10, 1996 | Misrepresenting affiliation with government | Section 807(1) [1692e(1)] |
| Charest | FDCPA | Sept. 13, 1996 | Acquiring location information | Section 804 [1692b] |
| Dempsey | FDCPA | Sept. 13, 1996 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 803(5) [1692a(5)]; Section 807(11) [1692e(11)]; Section 809 [1692g] |
| Edwards | FDCPA | Sept. 13, 1996 | Debt validation | Section 809 [1692g] |
| Fortney | FDCPA | Sept. 13, 1996 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Stanley | FDCPA | Sept. 13, 1996 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 807(11) [1692e(11)] |
| Green | FDCPA | Sept. 17, 1996 | Definition of "creditor" | Section 803(4) [1692a(4)]; Section 803(5) [1692a(5)] |
| Kramer | FDCPA | Nov. 13, 1996 | Disclosing collection purpose | Section 807(11) [1692e(11)] |
| Beekman | FDCPA | Dec. 13, 1996 | Furnishing deceptive forms | Section 812 [1692j] |
| Cutter | FDCPA | Dec. 13, 1996 | Definition of "debt" | Section 803(5) [1692a(5)] |
| Berger | FDCPA | May 29, 1997 | Debt validation | Section 809 [1692g]; Section 809(a) [1692g(a)]; Section 809(b) [1692g(b)] |
| Gamache | FDCPA | July 15, 1997 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 807(11) [1692e(11)] |
| Chesworth | FDCPA | Sept. 16, 1997 | Definition of "debt" | Section 803(5) [1692a(5)]; Section 807(9) [1692e(9)] |
| Shapiro | FDCPA | Oct. 1, 1997 | Debt not in default exemption | Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Cass | FDCPA | Dec. 23, 1997 | Communicating false credit information | Section 807(8) [1692e(8)]; Section 809 [1692g]; Section 809(b) [1692g(b)] |
| LeVine | FDCPA | Mar. 20, 1998 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 803(6) [1692a(6)]; Section 807(11) [1692e(11)]; Section 809 [1692g] |
| Shapiro | FDCPA | Dec. 20, 1999 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)] |
| Dankowski | FDCPA | Mar. 6, 2000 | Impersonating a credit bureau | Section 807(16) [1692e(16)] |
| Mezines | FDCPA | Mar. 31, 2000 | Definition of "communication" | Section 803(2) [1692a(2)]; Section 809 [1692g]; Section 809(a) [1692g(a)]; Section 809(b) [1692g(b)]; Section 816 [1692n] |
| de Mayo | FDCPA | May 23, 2002 | Definition of "debt collector" | Section 803(6) [1692a(6)]; Section 803(6)(A) [1692a(6)(A)]; Section 803(6)(F)(iii) [1692a(6)(F)(iii)]; Section 807(14) [1692e(14)] |