Fair Debt Collection Practices Act (FDCPA): Federal law that governs debt collection practices, including requirements for billing communications and consumer protections against unfair collection practices
Truth in Lending Act (TILA): Federal regulation requiring clear disclosure of lending terms and costs in billing statements, including APR and finance charges
Fair Credit Billing Act (FCBA): Federal law that protects consumers from unfair billing practices and provides mechanism for addressing billing errors
Electronic Funds Transfer Act (EFTA): Federal law governing electronic payment processing and establishing rights and liabilities of participants in electronic fund transfer systems
State Consumer Protection Laws: Varies by state - includes specific requirements for billing practices, disclosures, and consumer rights at the state level
HIPAA: For healthcare billing - regulates handling of protected health information and required privacy notices in medical billing statements
CFPB Regulations: For financial services - specific requirements from the Consumer Financial Protection Bureau regarding billing practices and disclosures
Gramm-Leach-Bliley Act: For financial services - requires privacy notices and explains how personal financial information must be protected in billing communications
State Utility Commission Regulations: For utility billing - specific requirements for utility service billing practices and consumer protections set by state utility commissions
Billing Documentation Requirements: General requirements for clear itemization of charges, payment terms, due dates, late payment policies, and dispute procedures in billing statements
