Commission and Staff Reports
Dolores S. Smith, Director
Division of Consumer and Community Affairs
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Dear Ms. Smith:
In each of the years since the Fair Debt Collection Practices Act ("FDCPA" or "Act"), 15 U.S.C. §§ 1692-1695o, was enacted in 1977, the Federal Trade...