[_Gabe_]

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WRONG. WRONG. WRONG. The FDCPA applies to 3rd party collections only. The bank is the orinal party and is not bound by the FDCPA.

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While that was originally true many states have extended the FDCPA to apply to original creditors as well and if the original creditor represents themselves as being independant, even if they are not, they must abide by the rules of the FDCPA.

Also, if he's receiving calls 2 years later it's almost certainly from a 3rd party collector, not the bank.