Which agency oversees compliance with the FDCPA?

The correct choice is that the Consumer Financial Protection Bureau (CFPB) oversees compliance with the Fair Debt Collection Practices Act (FDCPA). The CFPB is responsible for ensuring that consumers are treated fairly and that financial institutions comply with federal consumer financial laws. One of its key functions is enforcing the FDCPA, which was enacted to curb abusive debt collection practices and protect consumers from harassment and unfair treatment by debt collectors.

The other agencies listed do not have this specific responsibility. For example, the National Credit Union Administration focuses on the regulation and oversight of federal credit unions, while the Federal Reserve Board primarily addresses monetary policy and banking regulation. The Office of the Comptroller of the Currency regulates and supervises national banks and federal savings associations. Therefore, the CFPB is uniquely positioned as the enforcement body for the FDCPA, making it the correct answer to the question.