Public Law 95-109
E620448
Public Law 95-109 is the 1977 U.S. federal statute that enacted the Fair Debt Collection Practices Act, establishing nationwide rules and protections against abusive debt collection practices.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Public Law 95-109 canonical | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T6772741 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Public Law 95-109 Context triple: [Fair Debt Collection Practices Act, publicLawNumber, Public Law 95-109]
-
A.
Public Law 96-95
Public Law 96-95 is the 1979 U.S. federal statute, known as the Archaeological Resources Protection Act, that safeguards archaeological resources on public and Indian lands.
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B.
Public Law 95-113
Public Law 95-113 is a major United States federal statute enacted in 1977 that reauthorized and revised national farm, food, and nutrition assistance programs.
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C.
Public Law 95-87
Public Law 95-87 is the formal designation of the Surface Mining Control and Reclamation Act of 1977, a key U.S. federal law regulating environmental impacts of coal mining and requiring land reclamation.
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D.
Public Law 95-164
Public Law 95-164 is the United States statute enacted in 1977 that significantly strengthened federal regulation of mine safety and health, forming the basis of modern mine safety standards.
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E.
Public Law 95-128
Public Law 95-128 is the 1977 U.S. federal statute that, among other housing and credit provisions, enacted the Community Reinvestment Act to encourage banks to meet the credit needs of all communities, including low- and moderate-income neighborhoods.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Public Law 95-109 Target entity description: Public Law 95-109 is the 1977 U.S. federal statute that enacted the Fair Debt Collection Practices Act, establishing nationwide rules and protections against abusive debt collection practices.
-
A.
Public Law 96-95
Public Law 96-95 is the 1979 U.S. federal statute, known as the Archaeological Resources Protection Act, that safeguards archaeological resources on public and Indian lands.
-
B.
Public Law 95-113
Public Law 95-113 is a major United States federal statute enacted in 1977 that reauthorized and revised national farm, food, and nutrition assistance programs.
-
C.
Public Law 95-87
Public Law 95-87 is the formal designation of the Surface Mining Control and Reclamation Act of 1977, a key U.S. federal law regulating environmental impacts of coal mining and requiring land reclamation.
-
D.
Public Law 95-164
Public Law 95-164 is the United States statute enacted in 1977 that significantly strengthened federal regulation of mine safety and health, forming the basis of modern mine safety standards.
-
E.
Public Law 95-128
Public Law 95-128 is the 1977 U.S. federal statute that, among other housing and credit provisions, enacted the Community Reinvestment Act to encourage banks to meet the credit needs of all communities, including low- and moderate-income neighborhoods.
- F. None of above. chosen
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal statute
ⓘ
public law ⓘ |
| allows | private right of action by consumers ⓘ |
| amends | Consumer Credit Protection Act ⓘ |
| appliesTo | third-party debt collectors ⓘ |
| authorizes |
class actions for FDCPA violations
ⓘ
statutory damages for consumers ⓘ |
| codifiedIn | Title 15 of the United States Code ⓘ |
| codifiedSections | 15 U.S.C. §§ 1692–1692p ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| doesNotGenerallyApplyTo | original creditors ⓘ |
| enactedBy |
95th United States Congress
ⓘ
linked to:
Ninety-fifth United States Congress
|
| enactmentDate | September 20, 1977 ⓘ |
| enactmentYear | 1977 ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
ⓘ
Federal Trade Commission ⓘ |
| hasAbbreviation |
FDCPA
ⓘ
linked to:
Fair Debt Collection Practices Act
|
| hasShortTitle | Fair Debt Collection Practices Act ⓘ |
| influenced | state debt collection laws ⓘ |
| jurisdiction | federal law of the United States ⓘ |
| language | English ⓘ |
| legalArea | consumer financial law ⓘ |
| partOf | Consumer Credit Protection Act ⓘ |
| prohibits |
false or misleading representations in debt collection
ⓘ
harassing debt collection practices ⓘ publication of consumer debt lists except to credit bureaus ⓘ threats of violence in debt collection ⓘ unauthorized charges and fees in debt collection ⓘ unfair debt collection practices ⓘ use of obscene or profane language in debt collection ⓘ |
| protects | consumers ⓘ |
| providesFor | civil liability for violations ⓘ |
| publicLawNumber | Pub.L. 95-109 ⓘ |
| purpose |
to eliminate abusive debt collection practices
ⓘ
to ensure that debt collectors who refrain from abusive practices are not competitively disadvantaged ⓘ to promote fair debt collection ⓘ to provide consumers with a means for disputing and obtaining validation of debt information ⓘ |
| regulates | debt collectors ⓘ |
| requires | debt validation notice to consumers ⓘ |
| sets |
limits on communications with consumers
ⓘ
restrictions on contacting third parties about a debt ⓘ rules for contacting consumers at work ⓘ time-of-day restrictions for debt collection calls ⓘ |
| signedBy | Jimmy Carter ⓘ |
| statutesAtLargeCitation | 91 Stat. 874 ⓘ |
| subjectMatter |
consumer protection
ⓘ
debt collection ⓘ |
| titleOfAct | Fair Debt Collection Practices Act ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Public Law 95-109 Description of subject: Public Law 95-109 is the 1977 U.S. federal statute that enacted the Fair Debt Collection Practices Act, establishing nationwide rules and protections against abusive debt collection practices.
Referenced by (1)
Full triples — surface form annotated when it differs from this entity's canonical label.