State Fair Debt Collection Laws

The federal Fair Debt Collection Practices Act governs collection agencies and bill collectors in all 50 states. The FDCPA prohibits debt collectors from engaging in abusive, unfair, and deceptive collection tactics.

Many states have their own fair debt collection laws as well. Some of these laws mirror the FDCPA. However, some offer more protection to consumers by, for example, covering creditors as well as collectors, specifying more types of behavior that violate state law, or providing for additional types of damages. Below you can learn about the fair debt collection laws in various states.

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State Fair Debt Collection Laws

What Is the California Fair Debt Collection Practices Act?

The California Fair Debt Collection Practices Act prohibits debt collectors and creditors from using unfair, deceptive, or harassing behaviors.
Colorado Fair Debt Collection Laws

Colorado prohibits debt collectors and creditors from using abusive and unconscionable tactics while collecting debts.
Florida Consumer Collection Practices Act

The Florida Consumer Collection Practices Act prohibits both debt collectors and creditors from using deceptive and abusive tactics in collecting debts.
Georgia Fair Debt Collection Laws

The Georgia Industrial Loan Act regulates debt collection of consumer loans less than $3,000.
Illinois Collection Agency Act

The Illinois Collection Agency Act requires debt collectors to obtain a license and regulates how they communicate with debtors.
New York Debt Collection Laws

Federal law and New York’s Consumer Credit Fairness Act protect consumers from abusive debt collection lawsuits.
Washington Collection Agencies Law

The Washington Collection Agencies Law requires that debt collectors be licensed and bonded and prohibits certain types of activities.

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California's Rosenthal Fair Debt Collection Practices Act

What Is the California Fair Debt Collection Practices Act?

The Rosenthal Act is California's fair debt collection practices law.

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