Legal Insights
May 13, 2026
Key Debt Collection Laws You Should Know About
Debt collection in the United States is governed by a layered system of federal, state, and (in some places) municipal rules. The federal Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Bureau's Regulation F set the baseline for consumer debt collection nationwide, while individual states layer their own consumer protection statutes, licensing regimes, and statutes of limitation on top.