"The Sacramento, California-based Receivables Management Association (RMA), formerly known as Debt Buyers Association, a nonprofit trade association, was established in 1997 and has a membership of 575 companies.The federal landmark Fair Debt Collection Practices Act (FDCPA) of 1977 was "intended to be...primarily a self-enforcing statute" in which "private action rather than government law enforcement" was the "main means of promoting industry compliance with the law."