The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 

The FTC protects consumers by stopping unfair, deceptive or fraudulent practices in the marketplace. 

The FTC conducts investigations, sues companies and people that violate the law. 

The FTC is a bipartisan federal agency with a unique dual mission to protect consumers and promote competition. 

The debts covered under the FDCPA include, credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts. Business debts are not under the FDCPA.