Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, prohibits harassment, false statements, and unfair practices, and sets requirements for debt collector communications
Fair Credit Reporting Act (FCRA): Federal law governing how debt collection activities are reported to credit bureaus and ensuring accuracy of credit reporting
CFPB Regulations: Consumer Financial Protection Bureau regulations providing additional guidelines for debt collection and enforcement of federal consumer financial laws
State Debt Collection Laws: State-specific requirements beyond federal law, including required language, disclaimers, and time limits for debt collection that vary by jurisdiction
State Consumer Protection Laws: Additional consumer protections varying by state, including requirements for debt verification and specific notice requirements
Statute of Limitations: State-specific time periods during which debt can be legally collected, affecting the enforceability of debt collection efforts
Validation Notice Requirements: Mandatory information that must be provided to debtors including debt amount, creditor name, and consumer rights
Consumer Rights Statements: Required statements informing consumers of their rights under federal and state law, including the right to dispute the debt
Payment Terms Documentation: Clear documentation of payment options, terms, and conditions for debt settlement or repayment plans
Compliance Disclaimers: Required legal disclaimers and notices that must be included in debt collection communications to maintain compliance with applicable laws
