Yep... NEITHER!!!I hope that clears up the two definitions of the two laws. Do you know if either of these laws apply to HOA's collection practices?
The PROBLEM here is you are trying to use your state's definition of a 'debt collector', then trying to apply that to a FEDERAL law. Simply, you cannot do that.
Based on your post, it certainly appears that the HOA appears to meet the Hawaiian definition of a debt collector. So, if true, your HOA would have to comply with your state debt collection requirements.
However, the HOA does NOT meet the FEDERAL definition of a debt collector... so federal laws would not apply to his conduct.
Further, your attempt to apply the FTC 'Credit Practices RULE' (not a law) doesn't apply since according to the FTC it ONLY applies to CREDITORS. Your HOA is NOT a creditor. And even further: "The Rule applies to consumer credit contracts offered by finance companies, retailers (such as auto dealers and furniture and department stores), and credit unions for any personal purpose except to buy real estate."
Your HOA doesn't qualify and your circumstance is NOT a "consumer credit contract".