Repossessions: 13.5.1.3.3 Applying the “principal purpose” requirement of the limited-purpose definition
Obduskey issues arise only if the defendant falls into the FDCPA’s limited-purpose definition, and to do so the defendant’s principal purpose must be the enforcement of security interests. This requirement looks to the company’s business model, and not to its specific transgressions in the case at hand. Criteria that courts consider to determine the principal purpose of a business are discussed in NCLC’s Fair Debt Collection treatise.321