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Default
FDCPA
FDCPA
8
Reg F
Reg F
12
CFPB guidance
CFPB
3
Other federal
Federal
3
State law
States
51
Municipal law
Cities
5
State matrix
Matrix
1
83 pages
Drawing the map
FDCPA · 8
US
Communications in connection with debt collection — §1692c
15 U.S.C. §1692c
verified · 15 cites
US
False or misleading representations — §1692e
15 U.S.C. §1692e
verified · 17 cites
US
FDCPA — Scope, definitions, coverage, liability, enforcement
15 U.S.C. §§1692–1692p (FDCPA); definitions §1692a; civil liability §1692k; enforcement §1692l
verified · 32 cites
US
Harassment or abuse — §1692d
15 U.S.C. §1692d
verified · 17 cites
US
Legal actions by debt collectors (venue) — §1692i
15 U.S.C. §1692i
verified · 8 cites
US
Acquisition of location information (skip tracing) — §1692b
15 U.S.C. §1692b
verified · 13 cites
US
Unfair practices — §1692f
15 U.S.C. §1692f
verified · 10 cites
US
Validation of debts — §1692g
15 U.S.C. §1692g
verified · 14 cites
Reg F · 12
US
Reg F § 1006.14 — Call frequency (7-in-7) and harassment
12 CFR 1006.14(b)
verified · 24 cites
US
Reg F § 1006.6 — Communications, cease-communication, and electronic opt-outs
12 CFR 1006.6
verified · 39 cites
US
Reg F § 1006.30 — Other prohibited practices (credit-reporting prerequisites; sale of certain debts; multiple debts; venue; deceptive forms)
12 CFR 1006.30
verified · 35 cites
US
Sending required disclosures (§ 1006.42) and record retention (§ 1006.100)
12 CFR 1006.42; 12 CFR 1006.100
verified · 31 cites
US
Disputes and requests for original-creditor information
12 CFR 1006.38
verified · 21 cites
US
Electronic communications (email / SMS) — everything Part 1006 requires
12 CFR 1006.6(d)-(e); 12 CFR 1006.42; 12 CFR 1006.34(c)(3)(v), (d)(4)
verified · 34 cites
US
Reg F § 1006.18 — False, deceptive, or misleading representations or means
12 CFR 1006.18
verified · 30 cites
US
Reg F § 1006.2(j) — The limited-content message (LCM)
12 CFR 1006.2(j)
verified · 24 cites
US
Regulation F (12 CFR Part 1006) — Overview
12 CFR Part 1006 (Regulation F)
verified · 49 cites
US
Reg F § 1006.26 — Collection of time-barred debts
12 CFR 1006.26
verified · 17 cites
US
Reg F § 1006.22 — Unfair or unconscionable means
12 CFR 1006.22
verified · 30 cites
US
Validation notice — required information, timing, and the Model Form B-1 safe harbor
12 CFR 1006.34
verified · 31 cites
CFPB guidance · 3
US
CFPB Debt Collection Rule FAQs (Compliance Aid)
CFPB Debt Collection Rule FAQs (compliance aid interpreting Regulation F, 12 CFR part 1006)
verified · 10 cites
US
CFPB Debt-Collection Guidance — What Exists & Current Status
CFPB interpretive & guidance materials on debt collection (FDCPA / Regulation F) — router page
verified · 10 cites
US
CFPB Advisory Opinion — Pay-to-Pay ("Convenience") Fees
CFPB Advisory Opinion — Debt Collection Practices (Regulation F); Pay-to-Pay Fees, 87 FR 39733 (July 5, 2022); interpreting FDCPA § 808(1), 15 U.S.C. 1692f(1) and 12 CFR 1006.22(b). WITHDRAWN by 90 FR 20084 (May 12, 2025).
verified · 10 cites
Other federal · 3
US
Bankruptcy — the automatic stay and the discharge injunction
11 U.S.C. § 362(a), (k); 11 U.S.C. § 524(a)
verified · 18 cites
US
FCRA — the agency's duties as a furnisher when reporting to the bureaus
15 U.S.C. § 1681s-2; 12 CFR §§ 1022.40–43 (Reg V); 15 U.S.C. § 1681c
verified · 39 cites
US
TCPA — autodialed / prerecorded / artificial-voice calls and texts to a collection agency's dialer and SMS program
47 U.S.C. § 227; 47 CFR § 64.1200
verified · 22 cites
State law · 51
AL
Alabama — no collection statute, no collector license; a revenue stamp and a contested 3-vs-6 SOL
Ala. Code §§ 6-2-30, 6-2-33, 6-2-34, 6-2-37 (limitations periods); §§ 6-2-16, 6-2-3, 6-2-8, 6-2-9, 6-2-10, 6-2-17 (revival, accrual, tolling, borrowing); § 7-3-118 (UCC 3-118, negotiable instruments); § 8-19-1 et seq. (Alabama Deceptive Trade Practices Act); § 40-12-80 (collection agency privilege license tax); § 13A-11-8 (harassing communications); § 6-10-7 (wage garnishment exemption)
verified · 79 cites
AK
Alaska — Collection Agency Act (AS 08.24) + SOL
AS 08.24 (Collection Agencies) + AS 08.01 (centralized licensing) + 12 AAC 02.160 (fees); AS 09.10.040, .053, .100, .110, .130, .140, .200, .210, .220 (limitations); AS 45.03.118 (UCC 3-118, notes); AS 45.50.471–.561 (Unfair Trade Practices and Consumer Protection Act); 3 AAC 01.210–.220 (debt-collection conduct rules for AS 06 financial institutions)
verified · 7 cites
AZ
Arizona — Collection Agency Act (A.R.S. tit. 32 ch. 9) + SOL
A.R.S. tit. 32 ch. 9 (Collection Agencies, §§32-1001 to 32-1057); A.R.S. §§12-548, 12-543, 12-544, 12-508; A.R.S. §47-3118
verified · 76 cites
AR
Arkansas — Collection Agency Licensing (A.C.A. tit. 17 ch. 24) + Arkansas FDCPA + SOL
A.C.A. tit. 17 ch. 24 (collection agency licensing + Arkansas Fair Debt Collection Practices Act, §17-24-501 et seq.); A.C.A. §16-56-111 (5-yr written) and §16-56-105 (3-yr oral/open)
verified · 79 cites
CA
California — Rosenthal FDCPA, DCLA licensing, SOL & time-barred rules
Cal. Civ. Code § 1788 et seq. (Rosenthal FDCPA); Cal. Civ. Code § 1788.50 et seq. (Fair Debt Buying Practices); Cal. Civ. Code §§ 1812.700–1812.702 (Consumer Collection Notice); Cal. Fin. Code § 100000 et seq. (Debt Collection Licensing Act); CCP §§ 337, 339, 360, 360.5, 361; Cal. Com. Code § 3118
verified · 81 cites
CO
Colorado — Fair Debt Collection Practices Act (C.R.S. art. 5-16) + SOL
C.R.S. §§ 5-16-101 to 5-16-135 (Colorado Fair Debt Collection Practices Act); C.R.S. §§ 13-80-101, 13-80-103.5, 13-80-108, 13-80-113; C.R.S. § 4-3-118
verified · 90 cites
CT
Connecticut — Consumer Collection Agency Act (§§36a-800 to 36a-814) + SOL
Conn. Gen. Stat. §§36a-800 to 36a-814 (Consumer Collection Agencies); §§36a-645 to 36a-648 (Creditors' Collection Practices); Conn. Agencies Regs. §§36a-809-6 to 36a-809-17; Conn. Gen. Stat. §§52-576, 52-581, 52-590; §42a-3-118 (UCC 3-118); §42a-2-725
verified · 95 cites
DE
Delaware — no collection statute, 3-year SOL (6 for notes), Medical Debt Protection Act
10 Del. C. §§8106, 8108, 8109, 8117, 8121; 6 Del. C. §3-118; 6 Del. C. ch. 25 (Consumer Fraud / Deceptive Trade Practices); 6 Del. C. ch. 25J (Medical Debt Protection Act); 30 Del. C. §2301(a)(11)
verified · 81 cites
FL
Florida — Consumer Collection Practices Act (FCCPA) + SOL
Fla. Stat. §§559.55–559.785 (FCCPA); Fla. Stat. §§95.11, 95.04, 95.051 (SOL, revival, tolling); Fla. Stat. §673.1181
verified · 37 cites
GA
Georgia — no collection statute, no collector license; SOL is the whole story
O.C.G.A. §§ 9-3-23, 9-3-24, 9-3-25, 9-3-26, 11-3-118 (limitations); §§ 9-3-110 to 9-3-114 (revival); § 10-1-390 et seq. (Fair Business Practices Act); O.C.G.A. tit. 7 ch. 3 (Georgia Installment Loan Act); O.C.G.A. § 16-17-1 et seq. (payday lending)
verified · 49 cites
HI
Hawaii — Collection Agencies (HRS ch. 443B) + Collection Practices (ch. 480D) + SOL
Haw. Rev. Stat. ch. 443B (Collection Agencies); ch. 480D (Collection Practices); §§480-2, 480-3.1, 480-13, 480-24; §§657-1, 657-2, 657-5, 657-9, 657-13, 657-18, 657-20; §490:3-118; §577A-5; Haw. Admin. Rules ch. 16-112
verified · 106 cites
ID
Idaho — Collection Agency Act (Idaho Code tit. 26, ch. 22) + SOL
Idaho Code tit. 26, ch. 22 (Idaho Collection Agency Act); Idaho Code §§5-216, 5-217, 5-222, 5-229, 5-238, 5-239; Idaho Code §28-3-118
verified · 79 cites
IL
Illinois — Collection Agency Act (205 ILCS 740) + SOL
205 ILCS 740 (Collection Agency Act, formerly 225 ILCS 425); 735 ILCS 5/13-206, 5/13-205
verified · 43 cites
IN
Indiana — Collection Agency Act (IC 25-11) + Deceptive Consumer Sales Act + SOL
Ind. Code 25-11-1 (Collection Agencies); Ind. Code 24-5-0.5 (Deceptive Consumer Sales Act); Ind. Code 34-11-2-7, -9, -11 (limitations)
verified · 61 cites
IA
Iowa — Debt Collection Practices Act (Code ch. 537 art. 7) + SOL
Iowa Code §§537.7101–537.7103 (Iowa Debt Collection Practices Act); §§537.6201–537.6203 (notification & fees); §§537.5110–537.5111, 537.5201, 537.5301, 537.6113; §§614.1(4), 614.1(5), 614.5, 614.6, 614.7, 614.11; §554.3118
verified · 92 cites
KS
Kansas — No collection-agency licensing; KCPA as the conduct statute; 5/3-year SOL with live post-expiry revival
K.S.A. §§ 60-511, 60-512, 60-516, 60-517, 60-520 (limitations); K.S.A. § 84-3-118 (UCC 3-118, notes); K.S.A. §§ 50-623 et seq. (Kansas Consumer Protection Act); K.S.A. § 16a-2-507 (UCCC collection-cost cap); K.S.A. §§ 60-2403, 60-2404 (judgment dormancy/revivor)
verified · 11 cites
KY
Kentucky — no collection-agency act; SOL split by contract execution date
KRS 413.090(2), 413.160, 413.120, 413.130, 413.190, 413.250, 413.320 (limitations); KRS 355.3-118 (UCC Art. 3); KRS 367.110–367.300 (Kentucky Consumer Protection Act); KRS 525.080 (harassing communications). NO Kentucky collection-agency licensing act and NO Kentucky mini-FDCPA.
verified · 8 cites
LA
Louisiana — Liberative Prescription (Civil Code) + Collection Practices
La. Civ. Code arts. 3447–3499 (liberative prescription); La. R.S. 9:3534.1 (collection agency registration); La. R.S. 9:3562 (unauthorized collection practices); La. R.S. 51:1401 et seq. (LUTPA)
verified · 34 cites
ME
Maine — Fair Debt Collection Practices Act (32 M.R.S. ch. 109-A) + SOL
32 M.R.S. ch. 109-A (Maine Fair Debt Collection Practices Act), §§11001–11054; 14 M.R.S. §§751, 752, 852, 860, 863, 866; 11 M.R.S. §3-1118; 10 M.R.S. §1310-H(4); 02-030 C.M.R. chs. 300, 705
verified · 102 cites
MD
Maryland — MCDCA + MCALA licensing + SOL (3y, no revival on time-barred consumer debt)
Md. Code Ann., Cts. & Jud. Proc. §§ 5-101, 5-102, 5-201, 5-1201 to 5-1204; Com. Law §§ 14-201 to 14-204 (MCDCA), 3-118, 13-301(14)(iii), 13-408, 13-410; Bus. Reg. tit. 7 (MCALA); Md. Rule 3-306(d); Md. Rules 3-325, 3-421 as amended by the 228th Rules Order (adopted 2026-06-04, eff. 2026-10-01)
verified · 85 cites
MA
Massachusetts — AGO 940 CMR 7.00, DOB licensing + 209 CMR 18.00, c. 93 §49, SOL
940 CMR 7.00 (AGO); 209 CMR 18.00 (DOB); G.L. c. 93 §§24–28, 49; G.L. c. 260 §§2, 13, 14; G.L. c. 106 §3-118
verified · 29 cites
MI
Michigan — two conduct statutes (Occupational Code art. 9 + RCPA) + SOL
MCL 339.901–339.920 (Occupational Code art. 9, collection agencies); MCL 445.251–445.258 (Regulation of Collection Practices Act); MCL 600.5807(9), 600.5813, 440.3118, 600.5866
verified · 55 cites
MN
Minnesota — Collection Agency Act (Minn. Stat. §§ 332.31–332.44), Medical Debt Act (ch. 332C) + SOL
Minn. Stat. §§ 332.31–332.44 (collection agencies / debt buyers); Minn. Stat. ch. 332C (medical debt, 2024); Minn. Stat. § 541.053 (consumer-debt SOL + anti-revival)
verified · 93 cites
MS
Mississippi — no collection statute, no license; a flat 3-year SOL that **extinguishes the debt**
Miss. Code §§ 15-1-3, 15-1-29, 15-1-43, 15-1-45, 15-1-49, 15-1-65, 15-1-73, 15-1-81, 75-3-118 (limitations, extinguishment, revival); §§ 75-24-5, 75-24-9, 75-24-11, 75-24-15, 75-24-19 (Consumer Protection Act); § 97-29-45 (telecommunication harassment — expressly inapplicable to FDCPA-covered calls). No mini-FDCPA and no collection-agency license.
verified · 52 cites
MO
Missouri — no collection-agency statute; ch. 516 SOL + AG unfair-practice rules on time-barred debt
Mo. Rev. Stat. ch. 516 (limitations); §400.3-118 (UCC notes); Mo. Merchandising Practices Act, ch. 407 + 15 CSR 60-8 (AG unfair-practice rules); Mo. Rev. Stat. §425.300
verified · 68 cites
MT
Montana — no collection-agency act; SOL (written contract cut 8y → 6y, eff. 2025-10-01)
Mont. Code Ann. §27-2-202 (contract SOL); §30-3-122 (UCC 3-118 analog); §27-2-409 (acknowledgment/part payment); Title 30, ch. 14, pt. 1 (Montana Consumer Protection Act); §32-5-103 (Consumer Loan Act licensing)
verified · 44 cites
NE
Nebraska — Collection Agency Act (Neb. Rev. Stat. ch. 45) + SOL
Neb. Rev. Stat. §§45-601 to 45-623 (Collection Agency Act); Neb. Rev. Stat. §§25-205, 25-206, 25-212, 25-214, 25-216, 25-3201 to 25-3207; Neb. U.C.C. §3-118; 433 Neb. Admin. Code ch. 2
verified · 72 cites
NV
Nevada — Collection Agencies (NRS ch. 649) + SOL
Nev. Rev. Stat. ch. 649 (Collection Agencies) + NAC ch. 649; Nev. Rev. Stat. §§11.190, 11.200, 11.2095, 104.3118
verified · 48 cites
NH
New Hampshire — Unfair, Deceptive or Unreasonable Collection Practices (RSA 358-C) + SOL
N.H. RSA ch. 358-C (Unfair, Deceptive or Unreasonable Collection Practices); RSA 508:4, 508:5; RSA 382-A:3-118; RSA 358-A (Consumer Protection Act)
verified · 18 cites
NJ
New Jersey — no mini-FDCPA; bond-only entry gate; 6-year SOL; medical-debt overlay
N.J.S.A. 45:18-1 to -6.1 (collection agency bond); N.J.S.A. 2A:14-1 (6-year SOL); N.J.S.A. 56:8-1 et seq. (Consumer Fraud Act); N.J.S.A. 56:11-56 et seq. (Louisa Carman Medical Debt Relief Act)
verified · 43 cites
NM
New Mexico — Collection Agency Regulatory Act + AG time-barred-debt rule + SOL
NMSA 1978 ch. 61 art. 18A (Collection Agency Regulatory Act); 12.24.2 NMAC; 12.2.12 NMAC (AG time-barred debt rule); NMSA 1978 §§37-1-3, 37-1-4, 37-1-6, 37-1-9, 37-1-16, 37-1-17; §§55-2-725, 55-3-118; Unfair Practices Act §§57-12-1 to -26; Patients' Debt Collection Protection Act §§57-32-1 to -10; 13.10.39 NMAC
verified · 85 cites
NY
New York — 23 NYCRR 1, Consumer Credit Fairness Act, GBL Art. 29-H, NYC DCWP rules
23 NYCRR Part 1 (DFS); N.Y. CPLR 203(h), 213, 214-i, 306-d, 3016(j) (Consumer Credit Fairness Act, L.2021 c.593); N.Y. Gen. Oblig. Law §§ 17-101, 17-103, 17-107; N.Y. Gen. Bus. Law §§ 600–603; 6 RCNY § 5-77 + N.Y.C. Admin. Code §§ 20-489 et seq. (DCWP)
verified · 69 cites
NC
North Carolina — two-statute split (ch. 58 art. 70 / ch. 75 art. 2) + 3-year SOL
N.C.G.S. ch. 58 art. 70 (Collection Agencies); N.C.G.S. ch. 75 art. 2 (Prohibited Acts by Debt Collectors); N.C.G.S. §1-52(1)
verified · 98 cites
ND
North Dakota — Collection Agency Act (N.D.C.C. ch. 13-05) + NDAC mini-FDCPA + SOL
N.D.C.C. ch. 13-05 (Collection Agencies); N.D. Admin. Code ch. 13-04-02 (Collection Agencies) and ch. 13-04-03 (Code of Ethical Conduct); N.D.C.C. §§28-01-16, 28-01-32, 28-01-36, 28-01-37, 41-02-104, 41-03-18; N.D.C.C. ch. 28-01.2 (Uniform Conflict of Laws — Limitations Act)
verified · 98 cites
OH
Ohio — no mini-FDCPA, no license; CSPA + the S.B. 13 limitations regime
Ohio Rev. Code §§2305.06, 2305.07, 2305.08 (limitations); R.C. ch. 1345 (Consumer Sales Practices Act); R.C. 1319.12 (collection agency assignment of debts)
verified · 11 cites
OK
Oklahoma — no collection-agency licensing; OCPA §753 + SOL (12 O.S. §95)
Okla. Stat. tit. 12, §95 (limitations) & §101 (revival); tit. 15, §§751–761.1 (Oklahoma Consumer Protection Act); tit. 12A, §3-118 (UCC — negotiable instruments)
verified · 74 cites
OR
Oregon — two entry gates (collection agency registration + debt buyer license), unified 6-year SOL
Or. Rev. Stat. §§ 12.080, 12.090, 12.230, 12.240 (SOL); ch. 697 (Collection Agencies); §§ 646.639, 646.641 (Unlawful Collection Practices); §§ 646A.640–646A.673, 646A.670 (Debt Buyer License); § 646A.677 (Medical Debt); § 73.0118 (UCC 3-118)
verified · 108 cites
PA
Pennsylvania — Fair Credit Extension Uniformity Act + SOL (42 Pa.C.S. ch. 55)
Fair Credit Extension Uniformity Act, Act of Mar. 28, 2000, P.L.23, No.7 (73 P.S. §§2270.1–2270.6); 42 Pa.C.S. §5525; 13 Pa.C.S. §3118
verified · 81 cites
RI
Rhode Island — RI Fair Debt Collection Practices Act (ch. 19-14.9) + SOL
R.I. Gen. Laws ch. 19-14.9 (Rhode Island Fair Debt Collection Practices Act); R.I. Gen. Laws §§ 9-1-13, 9-1-17, 9-1-18, 9-1-19, 9-1-20, 9-1-36; § 6A-3-118; § 6A-2-725; ch. 6-60 (Medical Debt Reporting); § 6-26-11; §§ 9-25-3, 10-5-7, 10-5-8
verified · 98 cites
SC
South Carolina — Consumer Protection Code (Title 37) + SOL
S.C. Code §15-3-530 (3-year SOL); S.C. Code Title 37 (S.C. Consumer Protection Code), esp. §37-5-108 (unconscionable debt collection); S.C. Code §36-3-118 (UCC 3-118, notes)
verified · 65 cites
SD
South Dakota — no collection-agency act; money-lender licensing reaches debt buyers; 6-year SOL
SDCL 15-2-13(1) (6-year SOL); SDCL ch. 54-4 (Money Lending Licenses) incl. §54-4-77 (Debt collection--Prohibitions)
verified · 14 cites
TN
Tennessee — licensed-and-bonded entry gate, an FDCPA clone in the Board's rules, 6-year SOL
Tenn. Code Ann. tit. 62 ch. 20 (Tennessee Collection Service Act); Tenn. Comp. R. & Regs. ch. 0320-05 (Standards of Practice); Tenn. Code Ann. §§ 28-3-109, 28-3-110 (limitations); Tenn. Code Ann. §§ 47-18-104, 47-18-2302 (consumer protection / caller-ID)
verified · 93 cites
TX
Texas — Debt Collection Act (Fin. Code ch. 392) + SOL
Tex. Fin. Code ch. 392 (Texas Debt Collection Act); Tex. Civ. Prac. & Rem. Code §§16.004, 16.065; Tex. Bus. & Com. Code §3.118
verified · 45 cites
UT
Utah — Collection Agency Act REPEALED (2023) + SOL
Utah Code §§ 78B-2-307, 78B-2-309, 78B-2-113, 70A-3-118 (SOL); Title 12 ch. 1 (Collection Agency Act — REPEALED, Laws of Utah 2023, ch. 32); Utah Code §§ 70C-8-201 to -203 (Consumer Credit Notification); §§ 13-11-1 to -23 (Utah Consumer Sales Practices Act); § 70C-7-107; § 31A-26-313
verified · 84 cites
VT
Vermont — Consumer Protection Rule CP 104 (AG rule, not a statute) + SOL
Vt. Consumer Protection Rule CP 104 (Att'y Gen., adopted under 9 V.S.A. §2453(c), eff. 1/28/74); 9 V.S.A. ch. 63 (Consumer Protection Act) §§2453, 2455, 2456, 2458, 2461, 2466d; 12 V.S.A. §§465, 466, 506–511, 551–558, 591–593; 9A V.S.A. §3-118; 18 V.S.A. §§9481–9485
verified · 92 cites
VA
Virginia — no collection-agency act; SOL (§8.01-246) + Medical Debt Protection Act
Va. Code §8.01-246 (limitations on contracts); §8.01-229(G) (revival); Va. Code §§59.1-611 to -613 (Medical Debt Protection Act); §59.1-444.4 (medical-debt credit reporting ban)
verified · 76 cites
WA
Washington — Collection Agency Act (ch. 19.16 RCW) + SOL
RCW ch. 19.16 (Washington Collection Agency Act); RCW 4.16.040, 4.16.080(3), 4.16.270, 4.16.280
verified · 6 cites
DC
District of Columbia — §28-3814 debt collection + SOL
D.C. Code §28-3814 (Debt collection, as rewritten by the Protecting Consumers from Unjust Debt Collection Practices Act of 2022, D.C. Law 24-154); D.C. Code §12-301; D.C. Code §28:3-118; D.C. Code §§28-3905, 28-3909 (CPPA)
verified · 72 cites
WV
West Virginia — WVCCPA (ch. 46A, art. 2) + Collection Agency Act (ch. 47, art. 16) + SOL
W. Va. Code §§46A-2-122 to 46A-2-129a (WVCCPA debt-collection practices) + art. 5 remedies (§§46A-5-101, -104 to -108) + art. 7 (AG enforcement); W. Va. Code ch. 47, art. 16 (Collection Agency Act of 1973) + §11-12-3 (business registration certificate); W. Va. Code §§55-2-6, 55-2-8, 55-2-15, 55-2-17, 55-2-21, 55-2-22 (SOL, revival, tolling); W. Va. Code §46-3-118 (UCC Art. 3 — notes)
verified · 96 cites
WI
Wisconsin — Wisconsin Consumer Act (chs. 421–427) + §218.04 licensing + SOL
Wis. Stat. chs. 421–427 (Wisconsin Consumer Act), esp. ch. 427 (debt collection) and ch. 425 (remedies/pleading); Wis. Stat. §218.04 + Wis. Admin. Code ch. DFI-Bkg 74 (collection agency license, DFI Division of Banking); Wis. Stat. §§893.05, 893.07, 893.19, 893.43, 893.45–893.49, 893.64, 403.118 (SOL)
verified · 84 cites
WY
Wyoming — Collection Agency Act (W.S. tit. 33 ch. 11) + SOL
Wyo. Stat. §§ 33-11-101 to 33-11-116 (Collection Agency Act); Collection Agency Board Rules chs. 1–5 (031.0001); Wyo. Stat. §§ 1-3-102, 1-3-105, 1-3-116, 1-3-117, 1-3-118, 1-3-119; Wyo. Stat. § 34.1-3-118
verified · 89 cites
Municipal law · 5
NY-BUFFALO
Buffalo — Code ch. 140 (collection agency licence, bond, and filed rate schedules)
Code of the City of Buffalo ch. 140 (Collection Agencies), §§ 140-1 to 140-12; derived from art. VII of ch. V of the Charter and Ordinances of 1974, last substantively amended 12-9-2003 (eff. 12-19-2003)
verified · 23 cites
IL-CHICAGO
Chicago — MCC § 4-6-160 (debt collector licence + conduct duties) and EO 2025-10
Municipal Code of Chicago § 4-6-160 (Debt Collectors), added by Substitute Ordinance SO2012-8555 (passed 2013-01-17, eff. 2013-07-01); MCC § 4-6-010(c)(15) (regulated business licence list); City of Chicago Executive Order No. 2025-10, "Prohibiting the Sale or Assignment of City-Owned Medical Debt and Establishing Fair, Public-Interest Debt Recovery Practices" (signed by Mayor Brandon Johnson; received and filed with the City Clerk 2025-12-23)
verified · 29 cites
NY-NYC
New York City — DCWP licensing + the SHIELD Rule (6 RCNY)
6 RCNY §§ 5-76, 5-77 (SHIELD Rule, DCWP NOA 2026-02-26, eff. 2027-01-01); 6 RCNY §§ 2-190, 2-191 (repealed by SHIELD), 2-193; 6 RCNY § 6-62 (Debt Collection Penalty Schedule); N.Y.C. Admin. Code §§ 20-489 et seq., 20-493.2, 20-702 (DCWP debt collection agency licensing); N.Y.C. Charter §§ 1043, 2203(f)
verified · 55 cites
US-LOCAL
No local layer — localities checked with no debt-collection regime of their own
Negative-coverage record: 57 US localities checked against their own official codes and licence catalogues, 2026-08-21 and 2026-08-22; no locality-specific debt-collection regime found in any of them
verified · 5 cites
NY-YONKERS
Yonkers, NY — Debt Collection Agencies (Consumer Protection Code Art. XVIII)
Yonkers Consumer Protection Code, Ch. 31, Art. XVIII, §§ 31-158 to 31-162.3 (adopted 10-26-2004 by G.O. No. 8-2004; amended in its entirety 12-9-2014 by G.O. No. 16-2014)
verified · 27 cites
State matrix · 1
US-states
State matrix — cross-state comparison + coverage tracker
Cross-state comparison — see per-state pages for controlling text
verified · 776 cites
