Which federal act governs debt collection practices and may apply to a community association's collection efforts?

• A. Fair Housing Act
• B. Fair Debt Collection Practices Act (FDCPA)
• C. Fair Labor Standards Act
• D. Family and Medical Leave Act

Answer: (B)

Debt collection practices are governed by the Fair Debt Collection Practices Act. This federal law specifically targets how collectors may pursue payment on debts from consumers, including past-due HOA or condo assessments when a collection agency is used or the association acts as a debt collector. It sets rules about what can be said or written, when and how collectors may contact residents, and what information must be disclosed. It also prohibits harassment, false representations, and contacting third parties beyond allowed limits. The other acts address housing discrimination, wages and hours, or leave rights, none of which regulate how debt is collected. So the FDCPA is the best answer because it directly governs debt collection practices.