Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices and prohibits deceptive, unfair, and abusive collection tactics

Truth in Lending Act (TILA): Federal law requiring transparent disclosure of lending terms and standardizing how costs associated with borrowing are calculated and disclosed

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

Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulatory framework providing additional consumer protection rules and enforcement in financial matters

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or public assistance status

State Consumer Protection Laws: State-specific regulations that protect consumers from unfair practices and may impose additional requirements on debt collection

State Debt Collection Regulations: State-specific rules governing how debts can be collected, including licensing requirements and prohibited practices

State Notice Requirements: State-specific requirements for the content, format, and timing of notices to defaulting borrowers

State Usury Laws: State-specific limits on interest rates and regulations on what charges can be imposed on borrowers

State Statute of Limitations: State-specific time limits for bringing legal action to collect a debt

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes and checks

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and creditor rights in collateral

Bankruptcy Code - Automatic Stay: Federal bankruptcy provisions that halt all collection activities once a debtor files for bankruptcy protection

Bankruptcy Code - Collection Restrictions: Federal regulations limiting how and when debts can be collected from borrowers in bankruptcy proceedings