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Alabama does not specifically prohibit certain debt collection practices. Consumers are also protected under the FDCPA.
Alabama does not specifically prohibit certain debt collection practices. Consumers are also protected under the FDCPA.
In Alaska, debt collection practices are regulated by both state and federal laws, including the federal Fair Debt Collection Practices Act (FDCPA) and Alaska's own debt collection laws.
Alaska Unfair Trade Practices and Consumer Protection Act prevent debt collectors from using unfair and deceptive practices when collecting a debt.
Arizona imposes numerous duties on licensed collection agencies, which must operate openly, fairly, and honestly. Consumers are also protected under the FDCPA.
Arkansas Fair Debt Collection Practices Act (AFDCPA): Arkansas has its own debt collection law, the Arkansas Fair Debt Collection Practices Act, found in Title 17, Chapter 24 of the Arkansas Code. The AFDCPA mirrors many provisions of the federal FDCPA but also includes additional protections for consumers.
Connecticut Fair Debt Collection Practices Act (CFDCPA): Connecticut has its own debt collection law, the Connecticut Fair Debt Collection Practices Act, found in Chapter 669a of the Connecticut General Statutes. The CFDCPA mirrors many provisions of the federal FDCPA but also includes additional protections for consumer
The "RFDCPA" refers to the "Rosenthal Fair Debt Collection Practices Act." This act is a California state law that mirrors many provisions of the federal Fair Debt Collection Practices Act (FDCPA) but applies specifically to debt collection activities within the state of California and to original lenders.
Colorado Fair Debt Collection Practices Act (CFDCPA): Colorado has its own debt collection law, the Colorado Fair Debt Collection Practices Act, found in Title 12, Article 14 of the Colorado Revised Statutes. The CFDCPA mirrors many provisions of the federal FDCPA but also includes additional protections for consumers.
Delaware does not specifically prohibit certain debt collection practices. Consumers are protected under the FDCPA.
In Florida, both the FDCPA and the Florida Consumer Collection Practices Act (FCCPA) regulate debt collectors.
The Georgia Fair Business Practices Act applies to unfair debt collections practices.
Hawaii prohibits a wide range of conduct from threats, harassment, and abuse to deceptive or misleading representations and unfair or unconscionable means.
In Idaho, debt collection practices are primarily governed by federal laws such as the Fair Debt Collection Practices Act (FDCPA). However, Idaho also has its own set of regulations regarding debt collection activities within the state. A law regulating collection agencies requires open, fair, and honest dealings, while a broader consumer protection law also applies.
In Illinois, debt collection practices are governed by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Illinois Collection Agency Act and the Illinois Consumer Fraud and Deceptive Business Practices Act.
Indiana does not specifically prohibit certain debt collection practices, but a general consumer protection law applies to collection agencies.
In Iowa, debt collection practices are governed by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Iowa Debt Collection Practices Act.
Kansas does not specifically prohibit certain debt collection practices, but a more general consumer protection law may apply.
Kentucky does not specifically prohibit certain debt collection practices.
In Louisiana, debt collection practices are governed by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Louisiana Consumer Credit Law and the Louisiana Collection Agency Act. Here are some key aspects of the Louisiana Fair Debt Collection Law:
In Maryland, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Maryland Consumer Debt Collection Act (MCDCA).
Mississippi does not specifically prohibit certain debt collection practices.
In Massachusetts, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Massachusetts Fair Debt Collection Practices Act (MA FDCPA).
Missouri does not specifically prohibit certain debt collection practices, but a more general consumer protection law applies to the debt collection industry.
In Michigan, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Michigan Collection Practices Act (MCPA).
Montana does not specifically prohibit certain debt collection practices, but a claim could potentially be brought under a broader consumer protection law.
In Nevada, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Nevada Revised Statutes (NRS) Chapter 649.
The law prohibits “principal creditors,” which are defined broadly, from taking certain types of deceptive or abusive actions.
New York General Business Law Section 601
In New Hampshire, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the New Hampshire Consumer Protection Act (RSA Chapter 358-A).
In North Carolina, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the North Carolina Debt Collection Act (NCDCA).
New Jersey does not specifically prohibit certain debt collection practices.
The statute governing collection agencies does not specifically prohibit certain practices, but related regulations list numerous prohibitions.
There is no specific fair debt collection law prohibiting certain practices, but debtors are protected under a broader consumer protection law.
In Oregon, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Oregon Unlawful Debt Collection Practices Act (OUDCPA) found in Chapter 646 of the Oregon Revised Statutes.
In Pennsylvania, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Pennsylvania Fair Credit Extension Uniformity Act.
In Rhode Island, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Rhode Island Fair Debt Collection Practices Act (RFDCPA).
A law governing “money lending licensees” prohibits harassment, abuse, false statements, and other unscrupulous practices.
There is no specific statute prohibiting certain practices, but Collection Service Board regulations impose numerous requirements.
In Texas, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Texas Debt Collection Act (TDCA) found in Title 5, Subtitle B, Chapter 392 of the Texas Finance Code.
In Vermont, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Vermont Consumer Protection Act (VCPA).
Virginia has almost no rules specific to debt collection, and third-party collectors may be exempt from the general consumer protection law as well.
In West Virginia, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the West Virginia Consumer Credit and Protection Act (WVCCPA).
In Wisconsin, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Wisconsin Consumer Act (WCA).
In Washington, debt collection practices are regulated by both federal laws, such as the Fair Debt Collection Practices Act (FDCPA), and state laws, including the Washington Collection Agency Act (WCAA).
In Wyoming, debt collection practices are primarily regulated by federal laws such as the Fair Debt Collection Practices Act (FDCPA). A handful of regulations provide basic rules for collection agencies, which also may be covered by the general consumer protection law.
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