U.S. Code » Title 15 » Chapter CHAPTER 41— CONSUMER CREDIT PROTECTION › Subchapter SUBCHAPTER V— DEBT COLLECTION PRACTICES

15 U.S.C. § 1692b

Acquisition of location information

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Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall—(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;(2) not state that such consumer owes any debt;(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;(4) not communicate by post card;(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.(Pub. L. 90–321, title VIII, § 804, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 876.)Statutory Notes and Related SubsidiariesEffective Date

Section effective upon the expiration of six months after Sept. 20, 1977, see section 819 of Pub. L. 90–321, as added by Pub. L. 95–109, set out as a note under section 1692 of this title.

Notes of Decisions
Cited in 157 cases (70 in the last 5 years), 1983–2026 · leading case: Guerrero v. Rjm Acquisitions LLC, 499 F.3d 926 (9th Cir. 2007).
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Guerrero v. Rjm Acquisitions LLC, 499 F.3d 926 (9th Cir. 2007). · cites it 4× “…a debt collector must communicate with the attorney rather than the debtor except in narrowly defined circumstances. 15 U.S.C. §§ 1692b(6), 1692c(a)(2). Other provisions prohibit harassment or abuse, § 1692d; prohibit "any false, deceptive, or misleading representation," §…”
Gonzales v. Arrow Fin. Servs., LLC, 660 F.3d 1055 (9th Cir. 2011). · cites it 2× “, 15 U.S.C. §§ 1692b (governing the acquisition of location information), 1692e (prohibiting misleading or deceptive practices).”
Sanchez v. Client Servs., Inc., 520 F. Supp. 2d 1149 (N.D. Cal. 2007). · cites it 5× “Specifically, plaintiffs note that the relevant California civil code sections incorporate 15 U.S.C. §§ 1692b, 1692c, 1692d, 1692e and 1692f.”
Fausto v. Credigy Servs. Corp., 598 F. Supp. 2d 1049 (N.D. Cal. 2009). · cites it 6× “Third-Party Disclosure Under 15 U.S.C. § 1692b Defendants move for summary judgment on Plaintiffs’ FDCPA third-party disclosure claim, on the grounds that (1) 15 U.”
Richard Hunstein v. Preferred Collection & Mgmt. Servs., Inc., 17 F.4th 1016 (11th Cir. 2021). · cites it 2× “” 15 U.S.C. § 1692b. The FDCPA thus broadly prohibits a debt collector from com- municating with anyone other than the consumer “in connection with the collection of any debt,” subject to several carefully crafted exceptions—some enumerated in § 1692c(b), and others in § 1692b.”
James A. Swanson, Plaintiff-Appellant-Cross-Appellee v. S. Oregon Credit Serv., Inc., Defendant-Appellee-Cross-Appellant, 869 F.2d 1222 (9th Cir. 1989). · cites it 2× “See 15 U.S. C. § 1692b. 3 We believe, however, that the *1228 least sophisticated debtor receiving the second notice would associate the threat to undertake “a complete investigation [of] your employment and assets” with an embarrassing inquiry with his employer concerning the…”
Patricia Evankavitch v. Green Tree Servicing LLC, 793 F.3d 355 (3rd Cir. 2015). · cites it 3× “” 15 U.S.C. § 1692b. In this appeal following a jury verdict and judgment entered against a debt collector for repeated contact with third parties, we consider a matter of first impression among the Courts of Appeals: whether the burden in such a case is on the debt collector to…”
Zortman v. J.C. Christensen & Assocs., Inc., 870 F. Supp. 2d 694 (D. Minnesota 2012). · cites it 3× “The unintended listener would *705 then have to make a second assumption— that the only reason a debt collector calls is to collect a debt.”
Alaska Tr., LLC v. Ambridge, 372 P.3d 207 (Alaska 2016). · cites it 2× “”80 But both of the cited federal circuits — the Sixth and the Eleventh — have more recently decided the issue the other way, holding that an enforcer of security interests may also be a debt collector subject to the broader provisions of the FDCPA so long as it meets 78 See 15…”
Candace Moyer v. Patenaude & Felix, 991 F.3d 466 (3rd Cir. 2021). “(citing 15 U.S.C. §§ 1692b–1692j). The law authorizes pri- vate civil actions against debt collectors.”
Marx v. Gen. Revenue Corp., 668 F.3d 1174 (10th Cir. 2011). · cites it 2× “LEXIS 13243 , at *7 ("[Section 1692b] would make no sense if defendant's argument were correct that a letter to a third party seeking location information must indicate a debt collection purpose in order to be subject to the Act.”
Carl Ward v. Nat'l Patient Account Servs., 9 F.4th 357 (6th Cir. 2021). “improperly shared personal information with a third party, 15 U.S.C. § 1692b, publicized his debts, id.”
Show all 157 citing cases →
— 15 U.S.C. § 1692b(1) — 7 cases
Joseph v. J.J. Mac Intyre Companies, LLC, 281 F. Supp. 2d 1156 (N.D. Cal. 2003).
Johnson v. Stillman Law Off. (E.D. Pa. 2024).
Miller v. Doyle & Hoefs LLC (E.D. Pa. 2024).
Neria v. Wells Fargo Bank, N.A. (Bankr. N.D. Tex. 2022).
Neria v. Wells Fargo Bank, N.A. (Bankr. N.D. Tex. 2022).
— 15 U.S.C. § 1692b(2) — 29 cases
Todd v. Collecto, Inc., 731 F.3d 734 (7th Cir. 2013).
Garrison v. Caliber Home Loans, Inc., 233 F. Supp. 3d 1282 (M.D. Fla. 2017).
Clayson v. Rubin & Rothman, LLC, 751 F. Supp. 2d 491 (W.D.N.Y. 2010).
Feldman v. Sanders Legal Grp., 914 F. Supp. 2d 595 (S.D.N.Y. 2012).
Marisco v. NCO Fin. Sys., Inc., 946 F. Supp. 2d 287 (E.D.N.Y 2013).
— 15 U.S.C. § 1692b(3) — 17 cases
Lynn v. Monarch Recovery Mgmt., Inc., 953 F. Supp. 2d 612 (D. Maryland 2013).
James Kuntz v. Rodenburg LLP, 838 F.3d 923 (8th Cir. 2016).
Pelfrey v. Educ. Credit Mgmt. Corp., 71 F. Supp. 2d 1161 (N.D. Ala. 1999).
David Tourgeman v. Nelson & Kennard, 900 F.3d 1105 (9th Cir. 2018).
Patricia Evankavitch v. Green Tree Servicing LLC, 793 F.3d 355 (3rd Cir. 2015). “” 15 U.S.C. § 1692b. In this appeal following a jury verdict and judgment entered against a debt collector for repeated contact with third parties, we consider a matter of first impression among the Courts of Appeals: whether the burden in such a case is on the debt collector to…”
— 15 U.S.C. § 1692b(4) — 1 case
Zortman v. J.C. Christensen & Assocs., Inc., 870 F. Supp. 2d 694 (D. Minnesota 2012). “The unintended listener would *705 then have to make a second assumption— that the only reason a debt collector calls is to collect a debt.”
— 15 U.S.C. § 1692b(5) — 10 cases
Marx v. Gen. Revenue Corp., 668 F.3d 1174 (10th Cir. 2011). “LEXIS 13243 , at *7 ("[Section 1692b] would make no sense if defendant's argument were correct that a letter to a third party seeking location information must indicate a debt collection purpose in order to be subject to the Act.”
Zortman v. J.C. Christensen & Assocs., Inc., 870 F. Supp. 2d 694 (D. Minnesota 2012). “The unintended listener would *705 then have to make a second assumption— that the only reason a debt collector calls is to collect a debt.”
Scott v. City of Philadelphia Parking Auth. Parking Violations Branch (E.D. Pa. 2023).
Jackson v. Eltman, Eltman & Cooper, P.C., 128 F. Supp. 3d 980 (E.D. Mich. 2015).
Blackwell v. United Auto Credit (E.D. Pa. 2021).
— 15 U.S.C. § 1692b(6) — 8 cases
Guerrero v. Rjm Acquisitions LLC, 499 F.3d 926 (9th Cir. 2007). “…a debt collector must communicate with the attorney rather than the debtor except in narrowly defined circumstances. 15 U.S.C. §§ 1692b(6), 1692c(a)(2). Other provisions prohibit harassment or abuse, § 1692d; prohibit "any false, deceptive, or misleading representation," §…”
Eads v. Wolpoff & Abramson, LLP, 538 F. Supp. 2d 981 (W.D. Tex. 2008).
Phenow v. Johnson, Rodenberg & Lauinger, PLLP, 766 F. Supp. 2d 955 (D. Minnesota 2011).
Student Loan Fund of Idaho, Inc. v. Duerner, 951 P.2d 1272 (Idaho 1997).
Marcotte v. Gen. Elec. Capital Servs., Inc., 709 F. Supp. 2d 994 (S.D. Cal. 2010).
— 15 U.S.C. § 1692b(6)(F) — 1 case
Alvarez v. LoanCare LLC (S.D. Fla. 2021).
— 15 U.S.C. § 1692b(c) — 2 cases
Brown v. Bank of Am., N.A., 457 F. Supp. 2d 82 (D. Mass. 2006).
Raze v. Everest Receivable Servs., Inc. (W.D.N.Y. 2022).
— 15 U.S.C. § 1692b(f) — 1 case
Francois v. Victory Auto Grp. LLC (S.D.N.Y. 2023).
— 15 U.S.C. § 1692b(l) — 2 cases
Sanchez v. Client Servs., Inc., 520 F. Supp. 2d 1149 (N.D. Cal. 2007). “Specifically, plaintiffs note that the relevant California civil code sections incorporate 15 U.S.C. §§ 1692b, 1692c, 1692d, 1692e and 1692f.”
Israel Ponce v. BCA Fin. Servs., Inc., 467 F. App'x 806 (11th Cir. 2012).
— 15 U.S.C. § 1692b(l)(2) — 1 case
Sanchez v. Client Servs., Inc., 520 F. Supp. 2d 1149 (N.D. Cal. 2007). “Specifically, plaintiffs note that the relevant California civil code sections incorporate 15 U.S.C. §§ 1692b, 1692c, 1692d, 1692e and 1692f.”
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