Does the Financial Conduct Authority (FCA) apply to a bank acting to collect a debt owed to itself?

courts which have looked at the definition of "debt collector" have uniformly held that the FCDPA does not apply to a bank acting to collect a debt owed to itself. (See Thomasson v. Bank One, Louisiana, N.A. (E.D.La. 2001) 137 F.Supp.2d 721, 724 [in collecting on its own debts, a bank does not meet the criteria of a 'debt collector' pursuant to the FDCPA "because as a bank it primarily loans money to consumers rather than collects outstanding debts"].) Here, plaintiffs' complaint alleges that Aztec was attempting to collect a debt on its own behalf; under the FDCPA, Aztec is not a debt collector. Therefore, the claim fails as a matter of law.