Prohibit Debt Collectors from Calling Cell Phones: Comments to the FCC

The Privacy Rights Clearinghouse (PRC)1 appreciates the opportunity to comment, opposing ACA International's (ACA)2 Petition. The ACA asks the Federal Communications Commission (FCC or Commission) to exempt debt collectors from cell phone privacy rules adopted under the Telephone Consumer Protection Act (TCPA).3 We urge the Commission to deny this Petition.

Harassment at the office

December 31, 1969
December 31,1969

A debt collection agency contacted Franklin at his place of work.

Comments to FTC: Collection of a Deceased Person's Debt

On October 8, 2010, the FTC announced a policy regarding debt collectors’ communications with third parties regarding a decedent’s debt. In this, the FTC expands the numbers of individuals a collector may contact when the debtor is deceased. We urge the Commission to reconsider this policy or at a minimum to offer guidance for individuals who may be contacted by a collector about a deceased consumer’s debt. We further urge the Commission to reconsider its policy regarding no enforcement for deceased debtor contacts.

Comments Regarding the Use of Personal Medical Data by Financial Institutions

The proposed rule generally prohibits a creditor from obtaining and using medical information for making decisions about a consumer's credit eligibility. The rule then makes an exception that allows creditors to obtain and use financial information that happens to be related to medical debts, expenses and income.

Tell the FCC to Stop Debt Collectors from Calling Your Cell Phone

Debt collectors want permission to call your cell phone. They want to use autodialers in order to reach as many numbers as possible.

The law currently protects consumers from such calls to cell phones, but the debt collectors want that to change.

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