【正文】 nature of such nonpliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector39。s nonpliance was intentional. (c) A debt collector may not be held liable in any action brought under this title if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. (d) An action to enforce any liability created by this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of petent jurisdiction, within one year from the date on which the violation occurs.(e) No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 167。 814. Administrative enforcement [15 USC 1692l](a) Compliance with this title shall be enforced by the Commission, except to the extend that enforcement of the requirements imposed under this title is specifically mitted to another agency under subsection (b). For purpose of the exercise by the Commission of its functions and powers under the Federal Trade Commission Act, a violation of this title shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Commission under the Federal Trade Commission Act are available to the Commission to enforce pliance by any person with this title, irrespective of whether that person is engaged in merce or meets any other jurisdictional tests in the Federal Trade Commission Act, including the power to enforce the provisions of this title in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. (b) Compliance with any requirements imposed under this title shall be enforced under (1) section 8 of the Federal Deposit Insurance Act, in the case of (A) national banks, by the Comptroller of the Currency。 (B) member banks of the Federal Reserve System (other than national banks), by the Federal Reserve Board。 and (C) banks the deposits or accounts of which are insured by the Federal Deposit Insurance Corporation (other than members of the Federal Reserve System), by the Board of Directors of the Federal Deposit Insurance Corporation。 (2) section 5(d) of the Home Owners Loan Act of 1933, section 407 of the National Housing Act, and sections 6(i) and 17 of the Federal Home Loan Bank Act, by the Federal Home Loan Bank Board (acting directing or through the Federal Savings and Loan Insurance Corporation), in the case of any institution subject to any of those provisions。 (3) the Federal Credit Union Act, by the Administrator of the National Credit Union Administration with respect to any Federal credit union。 (4) subtitle IV of Title 49, by the Interstate Commerce Commission with respect to any mon carrier subject to such subtitle。 (5) the Federal Aviation Act of 1958, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that Act。 and(6) the Packers and Stockyards Act, 1921 (except as provided in section 406 of that Act), by the Secretary of Agriculture with respect to any activities subject to that Act. (c) For the purpose of the exercise by any agency referred to in subsection (b) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this title shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection (b), each of the agencies referred to in that subsection may exercise, for the purpose of enforcing pliance with any requirement imposed under this title any other authority conferred on it by law, except as provided in subsection (d). (d) Neither the Commission nor any other agency referred to in subsection (b) may promulgate trade regulation rules or other regulations with respect to the collection of debts by debt collectors as defined in this title. 167。 815. Reports to Congress by the Commission [15 USC 1692m](a) Not later than one year after the effective date of this title and at oneyear intervals thereafter, the Commission shall make reports to the Congress concerning the administration of its functions under this title, including such remendations as the Commission deems necessary or appropriate. In addition, each report of the Commission shall include its assessment of the extent to which pliance with this title is being achieved and a summary of the enforcement actions taken by the Commission under section 814 of this title. (b) In the exercise of its functions under this title, the Commission may obtain upon request the views of any other Federal agency which exercises enforcement functions under section 814 of this title. 167。 816. Relation to State laws [15 USC 1692n]This title does not annul, alter, or affect, or exempt any person subject to the provisions of this title from plying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this title, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this title if the protection such law affords any consumer is greater than the protection provided by this title. 167。 817. Exemption for State regulation [15 USC 1692o]The Commission shall by regulation exempt from the requirements of this title any class of debt collection practices within any State if the Commission determines that under the law of