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U.S. state laws on fair debt collection generally fall into two categories: laws which require persons who are collecting debts from consumers to be licensed, registered or bonded in order to collect from consumers in their states, and laws that protect consumers from specific unfair practices by debt collectors, which may include collection agencies and sometimes original creditors. [2]
The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
The Association of Credit and Collection Professionals, (ACA) International-an association was established in 1939 to represent "third-party collection agencies, law firms, asset buying companies, creditors and vendor affiliates" that "establishes ethical standards, produces a wide variety of products, services and publications, and articulates ...
The Ohio Revised Code (ORC) contains all current statutes of the Ohio General Assembly of a permanent and general nature, consolidated into provisions, titles, chapters and sections. [1] However, the only official publication of the enactments of the General Assembly is the Laws of Ohio; the Ohio Revised Code is only a reference. [2]
In the UK, debt collection agencies are licensed and regulated by the Financial Conduct Authority (FCA). [26] The FCA sets guidelines on how debt collection agencies can operate and lists examples of unfair practices. [27] These guidelines are not law but they represent a summary and interpretation of various legal areas.
State agencies promulgate rules and regulations (sometimes called administrative law) in the Register of Ohio, which are in turn codified in the Ohio Administrative Code (OAC). Ohio's legal system is based on common law , which is interpreted by case law through the decisions of the Supreme Court, District Courts of Appeals, and trial courts ...
State regulations vary from state to state. While each state approaches financial privacy differently, they mostly draw from federal laws and provide more stringent outlines and definitions. Government agencies like the Consumer Financial Protection Bureau and the Federal Trade Commission provide enforcement for financial privacy regulations.
Download as PDF; Printable version; ... State law enforcement agencies of Ohio (1 C, 8 P) Pages in category "State agencies of Ohio"