Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act is a federal statute that protects consumers from unfair or unconscionable collection practices by debt collectors. The text of this statute is provided as general information to the public. It may be amended, revised, or rescinded at any time without notice. This information is not intended to be legal advice. For more information, please see our disclaimer.

15 U.S.C. § 1692n. Relation to State laws

This title [15 USCS §§ 1692 et seq.] does not annul, alter, or affect, or exempt any person subject to the provisions of this title [15 USCS §§ 1692 et seq.] from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this title [15 USCS §§ 1692 et seq.], and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this title [15 USCS §§ 1692 et seq.] if the protection such law affords any consumer is greater than the protection provided by this title [15 USCS §§ 1692 et seq.].