The courts have held that the FDCPA does not cover collection of tax obligations and governmental fines. The leading federal appeals court decision with respect to the treatment of fines under the FDCPA is from the Seventh Circuit, the first appeals court to consider the matter, and it stated:That is likely to be deemed illegal under US law. Violations of the FDCPA can result in you paying a $1000 in statutory damages plus attorney fees to the debtor. As a third party collector you should educate yourself on the FDCPA and avoid violating it.
Our analysis of the FDCPA must begin with the text of the statute, McMillan v. Collection Prof'ls, Inc., 455 F.3d 754, 762 (7th Cir.2006). The text, as we read § 1692a(5), defines “debt” in a manner that necessarily excludes fines from coverage. Our reading is shared by the Federal Trade Commission, which “holds some interpretative and enforcement authority with respect to the FDCPA,” Carter v. AMC, LLC, 645 F.3d 840, 843 (7th Cir.2011). See 15 U.S.C. §§ 1692k(e), 1692l, 1692o. That agency has interpreted the FDCPA to exclude fines from the definition of “debt.” See Statements of General Policy or Interpretation Staff Commentary on the Fair Debt Collection Practices Act, 53 Fed.Reg. 50,097, 50,102 (Dec. 13, 1988). The agency's commentary “is based primarily on issues discussed in informal staff letters responding to public requests for interpretations and on the Commission's enforcement program,” id. at 50,101, and does not receive Chevron deference, see United States v. Mead Corp., 533 U.S. 218, 234, 121 S.Ct. 2164, 150 L.Ed.2d 292 (2001). But the commentary is entitled to “respectful consideration.” Carter, 645 F.3d at 844.
Apparently the question whether fines are “debts” under the FDCPA has never arisen in a court of appeals (at least not in a precedential decision). Yet that issue has come up frequently in the district courts, which have concluded uniformly that a fine does not stem from a consensual transaction and thus is not a debt under the FDCPA....We agree with these decisions and, as did the district court, conclude that the municipal fines levied against Gulley cannot reasonably be understood as “debts” arising from consensual consumer transactions for goods and services. Accordingly, the allegations in his amended complaint state no claim under the FDCPA and were properly dismissed under Rule 12(b)(6).
Gulley v. Markoff & Krasny, 664 F.3d 1073, 1074–75 (7th Cir. 2011). So the FDCPA is not implicated when collecting these Italian government fines as they are not "consumer debt."