Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, prohibits harassment and false statements, requires specific disclosures, and defines collection communication requirements
Fair Credit Reporting Act (FCRA): Federal law governing credit reporting practices, including requirements for accuracy in reporting medical debt and waiting period requirements for reporting medical debt
Health Insurance Portability and Accountability Act (HIPAA): Federal law governing privacy and security of medical information, including restrictions on sharing protected health information and requirements for maintaining patient confidentiality
Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulations providing additional debt collection requirements and specific guidelines for medical debt collection
No Surprises Act: Federal law establishing requirements regarding unexpected medical bills and patient protections against certain billing practices
State Debt Collection Laws: State-specific laws that may impose additional or more stringent requirements on debt collection practices than federal regulations
State Medical Billing Regulations: State-specific rules governing medical billing practices and procedures
State Debt Validation Requirements: State-specific requirements for validating medical debts before collection
State Statute of Limitations: State-specific time limits for legally collecting medical debts
State Licensing Requirements: State-specific licensing and registration requirements for debt collectors operating within the state
