Section 814 of the Fair Debt Collection Practices Act (FDCPA).
The Fair Debt Collection Practices Act - Section 814
814. Administrative enforcement [15 USC 1692l]
(a) Compliance with this title shall be enforced by the Commission, except to
the extend that enforcement of the requirements imposed under this title is
specifically committed to another agency under subsection (b). For purpose of
the exercise by the Commission of its functions and powers under the Federal
Trade Commission Act, a violation of this title shall be deemed an unfair or
deceptive act or practice in violation of that Act. All of the functions and
powers of the Commission under the Federal Trade Commission Act are available to
the Commission to enforce compliance by any person with this title, irrespective
of whether that person is engaged in commerce or meets any other jurisdictional
tests in the Federal Trade Commission Act, including the power to enforce the
provisions of this title in the same manner as if the violation had been a
violation of a Federal Trade Commission trade regulation rule.
(b) Compliance with any requirements imposed under this title shall be enforced
under --
(1) section 8 of the Federal Deposit Insurance Act, in the case of --
(A) national banks, by the Comptroller of the Currency;
(B) member banks of the Federal Reserve System (other than national banks), by
the Federal Reserve Board; and
(C) banks the deposits or accounts of which are insured by the Federal Deposit
Insurance Corporation (other than members of the Federal Reserve System), by the
Board of Directors of the Federal Deposit Insurance Corporation;
(2) section 5(d) of the Home Owners Loan Act of 1933, section 407 of the
National Housing Act, and sections 6(i) and 17 of the Federal Home Loan Bank
Act, by the Federal Home Loan Bank Board (acting directing or through the
Federal Savings and Loan Insurance Corporation), in the case of any institution
subject to any of those provisions;
(3) the Federal Credit Union Act, by the Administrator of the National Credit
Union Administration with respect to any Federal credit union;
(4) subtitle IV of Title 49, by the Interstate Commerce Commission with respect
to any common carrier subject to such subtitle;
(5) the Federal Aviation Act of 1958, by the Secretary of Transportation with
respect to any air carrier or any foreign air carrier subject to that Act; and
(6) the Packers and Stockyards Act, 1921 (except as provided in section 406 of
that Act), by the Secretary of Agriculture with respect to any activities
subject to that Act.
(c) For the purpose of the exercise by any agency referred to in subsection (b)
of its powers under any Act referred to in that subsection, a violation of any
requirement imposed under this title shall be deemed to be a violation of a
requirement imposed under that Act. In addition to its powers under any
provision of law specifically referred to in subsection (b), each of the
agencies referred to in that subsection may exercise, for the purpose of
enforcing compliance with any requirement imposed under this title any other
authority conferred on it by law, except as provided in subsection (d).
(d) Neither the Commission nor any other agency referred to in subsection (b)
may promulgate trade regulation rules or other regulations with respect to the
collection of debts by debt collectors as defined in this title.
