FDCPA: Fair Debt Collection Practices Act - Primary federal law governing debt collection practices, including communication requirements, harassment prohibitions, and consumer rights
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 additional oversight and rules for debt collection practices and consumer protection
FTC Guidelines: Federal Trade Commission guidelines establishing standards for fair debt collection practices and consumer protection
State Collection Laws: State-specific debt collection regulations that may provide additional requirements or restrictions beyond federal law
State Consumer Protection: State-level consumer protection laws that may provide additional safeguards against unfair collection practices
State Licensing Requirements: State-specific licensing requirements for debt collectors and collection agencies operating within the state
Statute of Limitations: Time limits for legal action on debt collection, varying by state and type of debt
Time-barred Debt Regulations: Rules governing the collection of debts that have passed the statute of limitations
Privacy Laws: Federal and state privacy regulations protecting consumer information during debt collection processes
Banking Regulations: Relevant banking laws and regulations that may affect debt collection practices, especially for bank-originated debts
