QUESTION 5

1. The Fair Debt Collection Practices Act:

   		covers all retail stores, banks, or businesses that collect their own debts in their own name.
   		prohibits harassment by debt collectors, including late-night phone calls and threats of violence.
   		protects applicants from being discriminated on grounds of sex, marital status, race, color, religion, national origin, and age.
   		ensures that information concerning a person's credit background supplied to his or her creditors is both up-to-date and accurate.