We know those laws and regulations can sometimes be difficult to navigate, so we’ve listed some helpful resources below. While this list is by no means exhaustive, it’s a good start:

  • The Fair Debt Collection Practices Act (FDCPA) is the main federal law on debt collection practices
  • The Federal Trade Commission (FTC) has a list of FAQs on the FDCPA
  • The Consumer Financial Protection Bureau (CFPB) publishes this guide to understanding your rights in debt


  • The CFPB has this helpful resource on the Fair Credit Reporting Act (FCRA), which is the main federal law that governs credit reporting
  • The FCRA requires each of the three nationwide consumer credit reporting agencies to give you a free credit report every 12 months
  • For more about the national consumer credit reporting agencies