Texas Finance Code Section 392 The original text to the Texas Fair Debt Collections Practices Act (FDCPA) can be found here. Accurate as of February 2014. FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER A. GENERAL PROVISIONS Sec. 392.001. DEFINITIONS. In this chapter: (1) "Consumer" means [...]