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and the National Credit Union Administration, with respect to the entities that are subject to their respective enforcement authority under section 621,’’; and (13) in section 628(a)(3) (15 U.S.C. 1681w(a)(3)), by striking ‘‘the Federal banking agencies, the National Credit Union Administration, the Commission, and the Securities and Exchange Commission’’ and inserting ‘‘the agencies identified in paragraph (1)’’. (b) FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003.— The Fair and Accurate Credit Transactions Act of 2003 (Public Law 108–159) is amended— (1) in section 112(b) (15 U.S.C. 1681c–1 note), by striking ‘‘Commission’’ and inserting ‘‘Bureau’’; (2) in section 211(d) (15 U.S.C. 1681j note), by striking ‘‘Commission’’ each place that term appears and inserting ‘‘Bureau’’; (3) in section 214(b) (15 U.S.C. 1681s–3 note), by striking paragraph (1) and inserting the following: Regulations. ‘‘(1) IN GENERAL.—Regulations to carry out section 624 of the Fair Credit Reporting Act (15 U.S.C. 1681s–3), shall be prescribed, as described in paragraph (2), by— ‘‘(A) the Commodity Futures Trading Commission, with respect to entities subject to its enforcement authorities; ‘‘(B) the Securities and Exchange Commission, with respect to entities subject to its enforcement authorities; and ‘‘(C) the Bureau, with respect to other entities subject to this Act.’’; and (4) in section 214(e)(1) (15 U.S.C. 1681s–3 note), by striking ‘‘Commission’’ and inserting ‘‘Bureau’’.

SEC. 1089. AMENDMENTS TO THE FAIR DEBT COLLECTION PRACTICES
ACT.
The Fair Debt Collection Practices Act (15 U.S.C. 1692 et
seq.) is amended—
15 USC 1692k, (1) by striking ‘‘Commission’’ each place that term appears
1692m, 1692o. and inserting ‘‘Bureau’’;
(2) in section 803 (15 U.S.C. 1692a)—
(A) by striking paragraph (1) and inserting the fol-
lowing:
Definition. ‘‘(1) The term ‘Bureau’ means the Bureau of Consumer
Financial Protection.’’;
(3) in section 814 (15 U.S.C. 1692l)—
(A) by striking subsection (a) and inserting the fol-
lowing:
Compliance. ‘‘(a) FEDERAL TRADE COMMISSION.—The Federal Trade Commis-
sion shall be authorized to enforce compliance with this title, except
to the extent that enforcement of the requirements imposed under
this title is specifically committed to another Government agency
under any of paragraphs (1) through (5) of subsection (b), subject
to subtitle B of the Consumer Financial Protection Act of 2010.
For purpose of the exercise by the Federal Trade Commission
of its functions and powers under the Federal Trade Commission

LAWS Act (15 U.S.C. 41 et seq.), a violation of this title shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade CommissionPUBLIC with on anorris VerDate Nov 24 2008 22:28 Sep 03, 2010 Jkt 089139 PO 00203 Frm 00718 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203