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	<title>Federal Statutes &#8211; HOA ALLIANCE</title>
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	<title>Federal Statutes &#8211; HOA ALLIANCE</title>
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		<title>Fair Debt Collection Practices Act</title>
		<link>https://www.hoaalliance.org/fair-debt-collection-practices-act/</link>
		
		<dc:creator><![CDATA[HOA Alliance]]></dc:creator>
		<pubDate>Fri, 11 Dec 2020 19:37:13 +0000</pubDate>
				<category><![CDATA[HOA Learning Library]]></category>
		<category><![CDATA[Federal Statues]]></category>
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					<description><![CDATA[The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., regulates “debt collectors” who regularly attempt to collect debts owed to third parties by consumers.  15 U.S.C. §1692a(6).  Notices sent to debtors are protected under the law against harassment or abusive conduct towards consumers  by debt collectors.  15 U.S.C. §1692b and c. § 802.  Congressional Findings &#38; Declarations Of Purpose   (a) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. (b) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. (c) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. (d) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. (e) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. LEARN MORE ABOUT FDCPA]]></description>
		
		
		
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		<title>Americans With Disabilities Act Of 1990</title>
		<link>https://www.hoaalliance.org/hoa-case-law-americans-with-disabilities-act-of-1990/</link>
					<comments>https://www.hoaalliance.org/hoa-case-law-americans-with-disabilities-act-of-1990/#respond</comments>
		
		<dc:creator><![CDATA[HOA Alliance]]></dc:creator>
		<pubDate>Tue, 08 Dec 2020 20:09:33 +0000</pubDate>
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		<category><![CDATA[Federal Statues]]></category>
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					<description><![CDATA[HOA Case Law: Americans with Disabilities Act of 1990 The Americans with Disabilities Act of 1990 (ADA), found under 42 U.S.C § 12101, et. seq is divided into five titles (or sections) that relate to different areas of public life. The ADA impacts the operations of homeowners associations with common elements open to the general public and prohibits discrimination against disabled persons in: employment, transportation, public accommodations, communications, and access to government programs and services. While large associations may also be ADA-regulated as an employer, “public accommodations” is the most relevant activity for an HOA association. Title III &#8211; Public Accommodations and Services Operated by Private Entities ✔️Prohibits places of public accommodation from discriminating against individuals with disabilities. Public accommodations include privately owned, leased or operated facilities like hotels, restaurants, retail merchants, doctor’s offices, golf courses, private schools, day care centers, health clubs, sports stadiums, movie theaters, and so on. ✔️Sets the minimum standards for accessibility for alterations and new construction of commercial facilities and privately owned public accommodations. It also requires public accommodations to remove barriers in existing buildings where it is easy to do so without much difficulty or expense. ✔️Directs businesses to make &#8220;reasonable modifications&#8221; to their usual ways of doing things when serving people with disabilities. ✔️Requires that businesses take steps necessary to communicate effectively with customers with vision, hearing, and speech disabilities. ✔️Regulated and enforced by the&#160;U.S. Department of Justice.]]></description>
		
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