The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act:

A) covers all retail stores, banks, or businesses that collect their own debts in their own name.
B) prohibits harassment by debt collectors, including late-night phone calls and threats of violence.
C) protects applicants from being discriminated on grounds of sex, marital status, race, color, religion, national origin, and age.
D) ensures that information concerning a person's credit background supplied to his or her creditors is both up-to-date and accurate.