Tim has been approached by Kent regarding Tim's credit card bill payment.Kent is aware of Tim's debt, and says he has come on behalf of the bank he owes to get assurance from Tim that he will repay the credit bill within a specific period of time.Kent is an outside agent who does not work for the bank.Which of the following legislations has the bank violated by contracting Kent to contact Tim?
A)Fair Credit Reporting Act
B)Fair and Accurate Credit Transactions Act
C)Fair Credit and Charge Card Disclosure Act
D)Fair Debt Collection Practices Act

Question

Quizplus · Accepted Answer

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or abusive tactics to collect debts, including using third-party agents to harass or intimidate debtors. In this case, Kent is an outside agent hired by the bank, which is a violation of the FDCPA. Therefore, the best answer is D. The other options are not applicable as they do not specifically address the use of third-party agents for debt collection.

Tim Has Been Approached by Kent Regarding Tim's Credit Card