15 USC § 1692d — Harassment or abuse

fdcpa-15usc-1692d

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.

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: fdcpa-15usc-1692d
  authority: 15 USC § 1692d — Harassment or abuse
  description: |
    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.
obligations:
  - id: fdcpa-15usc-1692d-general-prohibition-on-harassment
    canonical_id: fdcpa-15usc-1692d-general-prohibition-on-harassment
    section: 15 USC § 1692d — General prohibition on harassment, oppression, or abuse
    description: |
      [LENDER] (in debt-collection capacity or under Reg F first-party
      overlay) shall not engage in any conduct the natural consequence of
      which is to harass, oppress, or abuse any person in connection with
      collection of a debt. Six enumerated specific violations include:
      (1) violence threats; (2) obscene/profane language; (3) public
      debtor lists; (4) sale-of-debt advertising to coerce payment; (5)
      repeated/continuous phone calls intended to annoy, abuse, or
      harass; (6) placement of calls without meaningful caller-identity
      disclosure.
    type: refrain
    audit_question: For every collection communication and every collection-related call campaign, can [LENDER] evidence absence of the §1692d(1)-(6) prohibited conducts — including caller-identity disclosure on every call, no repeated-call patterns intended to annoy, and no debtor-list publication?
    program_review: Am I facilitating scripts, call-frequency controls, caller-ID disclosure, and supervisory monitoring such that it is hard for any conduct — including the §1692d(1)–(6) enumerated examples and unenumerated conduct — whose natural consequence is to harass, oppress, or abuse to occur, with a backstop complaint/QA review to catch what slips through?
    file_review: 'Backstop sample: review call recordings, the contact log, and complaints for harassment patterns (repeated calls to annoy, no caller-ID, debtor-list publication). The compliance person judges whether the natural consequence of the conduct was harassing, oppressive, or abusive.'
    judgment: true
    feeds: []
    workflow_phase: default_collections
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: FDCPA private right of action; CFPB Reg F enforcement; state UDAP and tort claims.
    tags:
      - round-c
      - regulator-direct
      - fdcpa
      - servicing
      - harassment
      - abusive-practices
      - promoted
    primary_source:
      tier: 1
      authority: 15 USC § 1692d
      source_class: fdcpa-statute
      source_url: https://www.law.cornell.edu/uscode/text/15/1692d
      snapshot_id: 50d865831f94c000
      fetched_at: '2026-05-24T19:33:25Z'
      content_hash: sha256:50d865831f94c00050d865831f94c00050d865831f94c00050d865831f94c000
      paragraph_quote: |
        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
      drafter_attestation: |
        Copied verbatim from snapshot 50d865831f94c000. Substring is the
        §1692d chapeau prohibition; enumerated specifics (1)-(6) paraphrased
        in description.
    promoted_at: '2026-05-24T20:12:07+00:00'
    promoted_from: fdcpa-15usc-1692d-roundc-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-24T20:12:07+00:00'
    candidate_path: obligations\_remediation\round-c-type-a\fdcpa-15usc-1692d-roundc-v1.yaml
    candidates_promoted: 1
    candidates_skipped_existing: 0

Verbatim regulatory text (1)

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 USC § 1692d — General prohibition on harassment, oppression, or abuse

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

Source: 15 USC § 1692d · source URL · snapshot 50d865831f94c000