Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices and provides consumer protections against abusive collection practices

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information

Dodd-Frank Wall Street Reform and Consumer Protection Act: Comprehensive financial reform legislation that established the CFPB and introduced new financial regulations

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides framework for the sale of accounts and payment intangibles

State Debt Collection Laws: Various state-specific regulations governing debt collection practices and licensing requirements

State Consumer Protection Laws: State-level laws protecting consumers from unfair or deceptive business practices

Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data

Health Insurance Portability and Accountability Act (HIPAA): Federal law protecting sensitive patient health information from being disclosed without consent (relevant for medical debt)

Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending transactions

Securities Act of 1933: Federal law governing securities transactions and requiring registration of securities offerings (relevant if securitization involved)

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

USA PATRIOT Act: Federal law expanding requirements for financial institutions to combat money laundering and terrorism financing