FDCPA Compliance: Fair Debt Collection Practices Act - Federal law requiring debt collectors to identify themselves, provide validation notices, avoid deceptive practices, state debt amounts and creditor names, and inform of dispute rights
FCRA Compliance: Fair Credit Reporting Act - Federal law governing the collection, dissemination, and use of consumer credit information
CFPB Regulations: Consumer Financial Protection Bureau regulations - Federal agency rules overseeing consumer financial products and services, including debt collection practices
State Collection Laws: State-specific debt collection regulations that vary by jurisdiction and may impose additional requirements beyond federal regulations
State Consumer Protection: State-level laws designed to protect consumers from unfair practices in debt collection, including specific requirements and restrictions
Statute of Limitations: State-specific time limits for legally collecting a debt, which must be considered when pursuing collection activities
Validation Notice: Requirement to provide written notice within 5 days of initial contact, including debt amount, creditor name, and consumer rights
Dispute Rights: Consumer's right to dispute the debt within 30 days of receiving the validation notice, which must be clearly communicated
Privacy Requirements: Obligations to maintain consumer privacy and not disclose debt information to unauthorized third parties
Format Requirements: Requirements for clear, professional language, accurate information, proper identification, and clear payment instructions in collection communications
