Topic archive
Research and practical notes filed under this topic.
January 18, 2025
FDCPA, TCPA, FCRA, and UDAAP govern different parts of consumer-debt operations: collection communications, certain calling and texting practices, credit reporting, and broader consumer-protection conduct. This federal overview explains the scope of each framework, the operational questions to ask, and why state-law and fact-specific legal review still matter.
Read the analysisJanuary 28, 2023
Consumer debt sales and collection activity require more than a signed purchase agreement. A sound framework identifies the account type, ownership record, collection role, credit-reporting role, and applicable federal and state requirements before contact or reporting begins. This article explains the federal baseline and the operational questions that require jurisdiction-specific review.
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