Which act limits the actions of debt collectors?

The Fair Debt Collection Practices Act is the correct choice because it specifically addresses the conduct of third-party debt collectors, establishing guidelines to prevent abusive, deceptive, or unfair collection practices. This act was enacted to protect consumers from harassment and to ensure they are treated fairly by debt collectors. It restricts various collection tactics, such as calling at inconvenient times, using threats, or employing deceptive practices, and gives consumers the right to dispute the validity of debts. Understanding this act is essential for individuals to know their rights regarding debt collection and to ensure a fair and respectful treatment during the debt collection process.