Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, prohibits harassment and false statements, sets requirements for debt collector communications, requires validation notices, and applies to third-party debt collectors
Fair Credit Reporting Act (FCRA): Governs how debt information can be reported to credit bureaus, sets requirements for accuracy in reporting, and establishes consumer rights regarding credit information
State-Specific Debt Collection Laws: Individual state requirements that may include specific language or disclaimers, and state-specific statute of limitations on debt collection
Consumer Financial Protection Bureau (CFPB) Regulations: Federal oversight regulations covering debt collection practices, requirements for clear communication, and rules about debt verification
Uniform Commercial Code (UCC): Particularly Article 9 regarding secured transactions and provisions about commercial debt collection
State Consumer Protection Laws: State-level protections against unfair practices and requirements for transparent communication in debt collection
Bankruptcy Code: Federal regulations concerning automatic stay provisions if debtor has filed for bankruptcy and restrictions on collection activities
Federal Trade Commission (FTC) Guidelines: Additional federal regulations on debt collection practices and requirements for fair and accurate communications
