FDCPA: Fair Debt Collection Practices Act - Primary federal law governing debt collection practices, including requirements for communications, debt validation, and collection practices
FCRA: Fair Credit Reporting Act - Federal law regulating the collection, dissemination, and use of consumer credit information
CFPB Regulations: Consumer Financial Protection Bureau regulations providing specific guidelines and requirements for debt collectors
FTC Guidelines: Federal Trade Commission guidelines establishing standards for fair debt collection practices and consumer protection
State Collection Laws: State-specific debt collection laws that may impose additional or more stringent requirements than federal regulations
State Licensing Requirements: State-specific licensing and registration requirements for debt collectors operating within the state
Mini-Miranda Disclosure: Mandatory disclosure identifying the communication as being from a debt collector and for the purpose of collecting a debt
30-Day Validation Notice: Required notice informing consumers of their right to dispute the debt within 30 days of initial communication
Debt Verification Requirements: Procedures and requirements for verifying debt when requested by the consumer
Time-Barred Debt Disclosures: Required disclosures regarding debts that have passed the statute of limitations for legal collection
Opt-Out Notices: Required information about how consumers can opt out of further communications
Accurate Debt Representation: Requirement to accurately represent the amount and status of the debt without misleading information
