California Rosenthal Fair Debt Collection Practices Act
Expands federal FDCPA protections to include original creditors, not just third-party agencies.
State Law
Laws filed under this category in plain English.
DirectoryCalifornia Texas Florida New York Washington North Carolina West Virginia Massachusetts
Texas Debt Collection Act
Prohibits the use of fraudulent, deceptive, or misleading representations and provides for a surety bond requirement for agencies.
Florida Consumer Collection Practices Act (FCCPA)
Provides broader protections than the federal FDCPA, specifically regarding employer contact.
New York Consumer Credit Fairness Act
Reduced the statute of limitations for debt collection lawsuits from six years to three years.
Washington Collection Agency Act (WCAA)
Prohibits adding excessive fees and regulates how agencies must identify themselves.
North Carolina Debt Collection Act
Prohibits specific 'unfair' practices, including threatening to report a consumer to a credit bureau without doing so.
West Virginia Consumer Credit and Protection Act (WVCCPA)
One of the most consumer-friendly laws in the nation, offering high statutory penalties for harassment.
Massachusetts Debt Collection Regulations
Strict limits on the number of times a collector can call a consumer in a single week.