Debt Collection (FDCPA / State) — regulation & compliance changes
Debt collectors and agencies tracking the CFPB Regulation F, state licensing, and validation/communication rules where a single misstep triggers class-action and enforcement risk.
Aforeworn watches Debt Collection (FDCPA / State) around the clock so you never have to refresh a government page again. Every detected change becomes a plain-English briefing covering what changed, who it affects, what you must do, and by when. Forewarned is forearmed.
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Real-time alerts, plain-English impact briefs, and a full searchable history — 52+ changes tracked in Debt Collection (FDCPA / State) so far.
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Recent changes in Debt Collection (FDCPA / State)
- NYC’s SHIELD Debt Collection Rule: DCWP’s New FAQ Clarifies Key Compliance Questions - Consumer Finance Monitor
- MS HB 6: Identity theft; establish procedure for victim to have debt forgiven and credit reports purged.
- Illinois appellate court rules buyer of defaulted mortgage notes must obtain collection agency license - jdsupra.com
- New York City releases debt collection rule FAQs, delays compliance until January 2027 - JD Supra
- Bennett v. Allstate Insurance: Cell Phones Can Be Residential Lines Under TCPA - ACA International
- MI SB 1137: Civil procedure: execution; procedures for collection of judgments; revise.
- Louisiana Becomes 22nd State to Enact a Comprehensive Consumer Data Privacy Law - insidearm.com
- US-CONGRESS BILLS-119hr10018ih: Fair Debt Collection Practices for Servicemembers Act
- NYC Delays Enactment of SHIELD Debt Collection Rule - ACA International
- Michigan Governor Vetoes Debt Collection Bills After Court Resolves Legislative Standoff - acainternational.org
- Illinois court rules mortgage note buyers need a collection agency license - mpamag.com
- Illusory Systems, Inc.; Analysis of Proposed Consent Order To Aid Public Comment
- Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)
- Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)
- Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal
- Authority of States To Enforce the Consumer Financial Protection Act of 2010; Rescission
- Guidance on Referrals for Potential Criminal Enforcement
- Rescission of State Official Notification Rules; Withdrawal
- Fair Credit Reporting Act; Preemption of State Laws
- Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission
- Fair Credit Reporting Act Disclosures
- Nolan v. Porter McGuire Kiakona & Chow: 9th Circuit Finds E-Filing to Attorney is Not an FDCPA Violation - acainternational.org
- Oregon regulator fines debt collector $180K+ for alleged unregistered collection activity - jdsupra.com
- Seventh Circuit Holds Texts Are Not ‘Telephone Calls’ Under Telephone Consumer Protection Act - InsideARM
- MN SF3289: 2025 Regular Session bill
- Tenth Circuit reverses FCRA verdict, holds identity-theft dispute not objectively verifiable - JD Supra
- The Tenth Circuit: Consumers Must Prove Inaccuracy to Sustain an Unreasonable Investigation Claim Under the FCRA - Buchanan Ingersoll & Rooney PC
- Tenth Circuit Adopts "Objectively and Readily Verifiable" Standard for FCRA Furnisher Inaccuracy Claims and Reverses $500,000 Jury Verdict - Consumer Financial Services Law Monitor
- Edwards v. Martinez: Silent Calls Count as Violations Under TCPA Rule - ACA International
- Hassan v. Santander: Furnisher Liable for Unreasonable FCRA Investigation - ACA International
- Alston v. Truist Bank: FCRA Furnisher Duties Upheld - ACA International
- Wyoming Collection Agency Board Issues $720K Fine for Unlicensed Activity - ACA International
- Massachusetts Governor proposes medical debt rules - Consumer Finance Monitor
- Hawaii Enacts Medical Debt Relief Program - ACA International
- US-CONGRESS BILLS-119hr9670ih: Medical Bankruptcy Fairness Act of 2026
- Portfolio Recovery Assocs., L.L.C. v. Grimes
- US-CONGRESS BILLS-119hr9639ih: Fostering Accuracy and Integrity in the Reporting of Credit Act; FAIR Credit Act
- 1010 Digital Works LLC; Analysis of Proposed Consent Order To Aid Public Comment
- Hendon v. Statesman Way Apartments: CRAs Need Not Resolve Legal Debt Disputes - ACA International
- Abramov v. Bullard: Landlord Defeats FDCPA Claim via Creditor Exemption - ACA International
- Washington State to Increase Licensing Fees - ACA International
- Hickman v. TransUnion: Court Trims FCRA Attorney Fees Post-Rule 68 - ACA International
- Vermont Enacts Coerced Debt Protections and Authorizes Bank Transaction Holds to Combat Financial Exploitation - InsideARM
- FTC Fines Amazon with $2.25M Penalty for FCRA Violations - ACA International
- Amid confusion over scams, bill would ban Pa. from using text messages to collect debts - Pennsylvania Capital-Star
- Third Circuit Rules ‘in Collections’ Designation Not an ‘Actionable Inaccuracy’ Under FCRA - InsideARM
- Guzmán bill protecting Illinoisans from losing their homes over medical debt becomes law - Illinois Senate Democratic Caucus
- Illinois Court Extends State Supreme Court FCRA Standing Ruling to Dismiss No-Injury FDCPA Class Action - InsideARM
- Massachusetts Proposes Medical Debt Credit Reporting Ban; Public Hearings Set for July - ACA International
- Virginia’s New Uniform Consumer Debt Default Judgments Act: What Creditors Need to Know About HB 444 - Consumer Financial Services Law Monitor
- District court rules FDCPA validation disclosures may be sent by text and hyperlink - JD Supra
- New York City Releases Compliance Resources Ahead of September 1 Effective Date for Debt Collection SHIELD Rule - Consumer Financial Services Law Monitor
Frequently asked questions
What does Aforeworn monitor for Debt Collection (FDCPA / State)?
Aforeworn continuously tracks the official rules, ordinances, fee schedules and licensing requirements that affect Debt Collection (FDCPA / State), detects every change, and explains in plain English what changed, who it hits and what to do.
How fast will I hear about a change in Debt Collection (FDCPA / State)?
Changes are detected automatically as sources update, and subscribers are alerted in real time — often before the change is widely reported.
Why does staying current on Debt Collection (FDCPA / State) matter?
A single missed change can mean fines, a lapsed licence, or lost eligibility. Forewarned is forearmed — knowing first lets you act before it costs you.