Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, sets requirements for debtor communication, prohibits harassment and deceptive practices, and specifies required disclosures
State-Specific Collection Laws: Individual state requirements including varying statute of limitations for debt collection, state-specific notice requirements, and interest rate limitations
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 2 (Sales) and Article 9 (Secured Transactions)
Consumer Financial Protection Bureau (CFPB) Regulations: Federal requirements for debt collection and guidelines for communication with consumers
Truth in Lending Act (TILA): Federal law governing disclosure requirements and interest rate regulations in lending
Electronic Signatures in Global and National Commerce Act (E-SIGN): Federal law governing the use and validity of electronic signatures and records in commerce, relevant if notice is delivered electronically
Required Notice Components: Essential elements including clear statement of amount owed, payment due date, original agreement reference, payment methods, consequences of non-payment, contact information, and required disclaimers
