Title 15, Commerce and TradeRelease 119-102
§1692j Furnishing Certain Deceptive Forms
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER V — DEBT COLLECTION PRACTICES › § 1692j
Summary
You must not make or give a form if you know it will make a consumer wrongly believe that someone other than the creditor is helping to collect a debt when that person is not actually involved. If you break this rule, you are treated the same way and can be held legally responsible just like a debt collector who violates section 1692k.
Full Legal Text
Title 15, §1692j
Commerce and Trade, Source: USLM XML via OLRC
(a)It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
(b)Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Legislative History
Notes & Related Subsidiaries
Statutory Notes and Related Subsidiaries
Effective 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.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1692j
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102