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15 USC § 1692d - Harassment or abuse

---
identifier: "/us/usc/t15/s1692d"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1692d - Harassment or abuse"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1692d"
section_name: "Harassment or abuse"
chapter_number: 41
chapter_name: "CONSUMER CREDIT PROTECTION"
subchapter_number: "V"
subchapter_name: "DEBT COLLECTION PRACTICES"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 90–321, title VIII, § 806, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 877.)"
---

# § 1692d. Harassment or abuse

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

**(1)** The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

**(2)** The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

**1** The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3) [^1] of this title.

See References in Text note below.

**(4)** The advertisement for sale of any debt to coerce payment of the debt.

**(5)** Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

**(6)** Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller’s identity.

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**Source Credit**: (Pub. L. 90–321, title VIII, § 806, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 877.)

## Editorial Notes

### References in Text

, referred to in par. (3), was redesignated  by , , .

## Statutory Notes and Related Subsidiaries

### Effective Date

Section effective upon the expiration of six months after , see , as added by , set out as a note under .