Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, prohibits harassment and false statements, requires specific disclosures, and sets rules for communication methods and timing
State Collection Laws: State-specific requirements including mandatory language, disclaimers, time limits for debt collection, and interest rate limitations that vary by jurisdiction
Uniform Commercial Code (UCC): Particularly Article 2, governing sales of goods, payment terms, and default and remedy provisions
Consumer Financial Protection Bureau (CFPB) Regulations: Federal oversight regulations covering debt collection, requirements for clear communication, and debt validation requirements
State Consumer Protection Laws: State-level protections for consumers, including notification requirements and specific collection practices restrictions
Statute of Limitations: State-specific time limits for collecting debts and requirements for acknowledging time-barred debt
Federal Trade Commission (FTC) Guidelines: Federal rules regarding unfair trade practices and requirements for truthful communications in debt collection
Banking Regulations: Regulations governing financial institutions and requirements for handling payments in debt collection processes
