The Federal Trade Commission (FTC) enforces which act that prohibits debt collectors from using abusive, unfair, or deceptive practices?

The Fair Debt Collection Practices Act (FDCPA) is the correct answer because this act specifically regulates the practices of debt collectors to ensure they do not engage in behavior that is abusive, unfair, or deceptive when collecting debts from consumers. The FDCPA sets clear guidelines on how debt collectors can operate, including prohibiting harassment, false statements, and other misleading practices, while also providing consumers with certain rights and protections against such actions.

The other acts mentioned do not focus specifically on debt collection practices. The Consumer Protection Act encompasses a broader range of consumer rights and protections against unfair trade practices but does not specifically target debt collection. The Fair Credit Reporting Act primarily addresses consumer credit reporting and the accuracy of credit reports rather than the behavior of debt collectors. The Truth in Lending Act is focused on ensuring that borrowers receive clear information about loan terms and credit costs, which is unrelated to the conduct of debt collectors. Thus, the FDCPA stands out as the act dedicated solely to regulating debt collection practices.