September 30, 1996, President Clinton signed into law
the first relief for debt collectors under the Fair
Debt Collection Practices Act in nearly 20 years.
The amendment, which takes effect on January 1,
address the requirements for giving the so-called
"mini miranda" warning to debtors. Under the
new provision, that notice need only be given on the
initial communication (oral or written). Any
subsequent communication must simply disclose that is
from a debt collector. Also, the "mini miranda"
and "debt collector" notice does not apply
to a formal pleading made in connection with a legal