The Fair Debt Collection Practices Act (FDCPA) is a US federal law regulating and governing the policies, practices, and actions of third-party debt collectors collecting debts from consumers on behalf of creditors. The core purpose of this act is to ensure fair and ethical debt collection practices and protect consumer rights. Therefore, it provides guidelines and restrictions to prevent abuse, harassment, or deception by outlining the best communication and information collection/disclosure practices. The FDCPA also serves as a guide for victims of unfair treatment seeking legal action against debt collectors and creditors.