A Aforeworn
Forewarned is forearmed.
Home › Niches › Debt Collection (FDCPA / State) › Change
High urgency

MN SF3289: 2025 Regular Session bill

Detected July 27, 2026 · in Debt Collection (FDCPA / State)

Minnesota SF3289 introduces new requirements for debt collection, including enhanced validation notices, restrictions on communication frequency, limits on time-barred debt lawsuits, and new consent requirements for medical debt collection. Affected businesses must update compliance procedures and training.

Aforeworn detected this change in the Debt Collection (FDCPA / State) space on July 27, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Minnesota. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Effective August 1, 2025, unless amended. Compliance needed by that date.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.

What changed

New validation notice content requirements, communication cap (e.g., limited attempts per week), prohibition on suing on time-barred debt without clear disclosure, and requirement of express consent for medical debt collection. Also, new convenience fee restrictions and credit reporting changes.

Who it affects

Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Minnesota.

What you must do

Review and update validation notices, adjust communication protocols, implement time-barred debt disclosure procedures, obtain consent for medical debt, and revise fee structures.

Deadline

Effective August 1, 2025, unless amended. Compliance needed by that date.

Source: https://www.revisor.mn.gov/bills/

Never miss a change like this again

Aforeworn watches Debt Collection (FDCPA / State) around the clock and alerts you the moment a rule moves — with a plain-English brief on what to do.

Start your free trial

Related changes in Debt Collection (FDCPA / State)