Debt Collection: A State Law Survey

The Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) have authority to enforce the Fair Debt Collection Practices Act (FDCPA) and take action against any debt collector who fails to comply with the FDCPA. While financial institutions and debt collectors must comply with the FDCPA, collectors must also be familiar with applicable state laws and regulations governing debt collection. Access this state law survey to gain an understanding of permissible and prohibited debt collection activities in each of the 50 U.S. states and the District of Colombia.

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Related Content          

• Fair Debt Collection Practices Act
  Learn about the FDCPA including prohibited activities, regulatory compliance requirements, and recent amendments.

• 2021 CFPB Modernization Debt Collection
  Explore this practice note for an overview of the FDCPA and gain access to background information on CFPB’s authority in the Federal Fair Lending and Credit Practices Manual § 14.01 (2023), provided by Matthew Bender & Company, Inc., a member of the LexisNexis Group. 

• Consumer Debt Collection Protections Checklist
  Utilize this checklist as a guide when representing debtors or other interested parties in understanding debt collection protections for consumers under the FDCPA.

• Legal Framework for U.S. Consumer Regulatory Law
  Access this practice note for a comprehensive review of the federal legal framework for financial institutions and entities that provide consumer financial services. The practice note also examines the role of the CFPB and other agencies in regulating and protecting consumer rights.

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