Opinion ID: 662461
Heading Depth: 2
Heading Rank: 3

Heading: In-House Collector Exemption

Text: 28 Citicorp argues that, as an in-house collector, it is not a debt collector under the FDCPA. Under 15 U.S.C. Sec. 1692a(6)(B), the term debt collector does not include those collecting debts for corporate affiliates if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts. 29 Citicorp did not raise the in-house collector exemption issue in moving for summary judgment, and the district court did not consider it. Moreover, determining whether section 1692a(6)(B) applies to Citicorp requires several factual determinations. Because Citicorp did not raise the issue before the district court, the Foxes have not had a chance to demonstrate the existence of a material factual dispute as to whether Citicorp is affiliated with the actual creditor, as to whether Citicorp collects debts for non-affiliated entities, or as to whether debt collection is Citicorp's principal business. 7 We are unable to conclude that Citicorp necessarily falls under the in-house exemption and decline to affirm summary judgment on that basis. 30