FDCPA: Fair Debt Collection Practices Act - Primary federal law governing debt collection practices, including 30-day validation notice requirements, consumer dispute rights, and verification requirements
FCRA: Fair Credit Reporting Act - Federal law regulating the collection, dissemination, and use of consumer credit information
CFPB Regulations: Consumer Financial Protection Bureau regulations - Federal agency rules governing consumer financial products and services, including debt collection
State Collection Laws: State-specific debt collection regulations and requirements, which vary by jurisdiction and may include additional consumer protections
State Statutes of Limitations: Time limits set by state law for legal enforcement of debt collection, varying by state and type of debt
State Licensing Requirements: State-specific licensing and registration requirements for debt collectors operating within the state
FTC Regulations: Federal Trade Commission rules governing unfair or deceptive practices in debt collection
GLBA: Gramm-Leach-Bliley Act - Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data
Required Disclosures: Mandatory information that must be included in debt collection communications, including debt amount, creditor name, and collection agency details
Validation Notice Requirements: Specific timeframes and content requirements for debt validation notices, including the 30-day period for consumers to request validation
