Transparency
Sources
Every legal claim on this site links back to a primary source — a statute, regulation, or federal agency document — so you can check it yourself. Nothing on this site is published without a source; where something couldn't be independently confirmed, it was left out rather than published as a guess.
These codes and statutes may not reflect the most current version. Texas, California, New York, and other states referenced here may have more current or accurate information than what's summarized. We recommend you verify against official government sources before relying on this entirely for your own situation. Further, your state AG might provide sources and programs to assist you with debt collections situations — it is important you contact and review the available information in your jurisdiction.
Federal law
| Source | Link |
|---|
| FDCPA §1692c — communication restrictions | Cornell LII |
| FDCPA §1692d — harassment | Cornell LII |
| FDCPA §1692e — false/misleading representations | Cornell LII |
| FDCPA §1692f — unfair/unconscionable means | Cornell LII |
| FDCPA §1692g — validation rights | Cornell LII |
| FDCPA §1692k — civil liability | Cornell LII |
| FCRA §1681i — dispute & reinvestigation | Cornell LII |
| FCRA §1681s-2 — furnisher duties | Cornell LII |
| FCRA §1681n — willful noncompliance liability | Cornell LII |
| FCRA §1681o — negligent noncompliance liability | Cornell LII |
| TCPA §227 — autodialer restrictions | Cornell LII |
| Regulation F, 12 CFR §1006 — debt collection rules | eCFR |
| Reg F §1006.6 — email/text communication rules | eCFR |
| CFPB Medical Debt Advisory Opinion (2024) | CFPB (PDF) |
| CFPB — medical debt credit reporting rule status | CFPB |
| CFPB — how to dispute a credit report error | CFPB |
Texas
| Source | Link |
|---|
| Tex. Fin. Code §392.101 — bond requirement | Justia |
| Tex. Fin. Code §392.202 — file-correction duty | Justia |
| Tex. Fin. Code §§392.301–303 — prohibited practices | Justia |
| Tex. Fin. Code §392.403 — remedies | Justia |
| Tex. Civ. Prac. & Rem. Code §16.004 — statute of limitations | Justia |
| Tex. Civ. Prac. & Rem. Code §16.065 — revival requires signed writing | Justia |
| Tex. Civ. Prac. & Rem. Code §146.002 — timely billing | Texas.Public.Law |
| Tex. Civ. Prac. & Rem. Code §146.003 — claims barred | Texas.Public.Law |
| Tex. Bus. & Com. Code §9.611 — repossession notice | FindLaw |
| Tex. Bus. & Com. Code §9.614 — consumer-goods notice content | FindLaw |
| Texas AG — consumer complaint portal | Texas AG |
California
| Source | Link |
|---|
| Cal. Civ. Code §1788.14 — attorney-representation contact ban | Justia |
| Cal. Civ. Code §1788.15 — venue restriction | Justia |
| Cal. Civ. Code §1788.16 — simulated legal process ban | Justia |
| Cal. Civ. Code §1788.17 — original creditors covered | CA Legislature |
| Cal. Civ. Proc. Code §337 — 4-year statute of limitations | Justia |
New York
| Source | Link |
|---|
| N.Y. Gen. Bus. Law §601 — prohibited practices | NY Senate |
| N.Y. C.P.L.R. §214-i — 3-year statute of limitations | Justia |
Credit bureaus
State attorneys general
| Source | Link |
|---|
| NAAG — Find your state's Attorney General (all 50 states, DC, territories) | NAAG.org |
What's deliberately not on this site
A few things were researched but excluded because they couldn't be independently confirmed against a primary source:
- Specific Texas balance-billing dollar protections (the mediation process under Insurance Code Chapter 1467 is confirmed, but the actual billing limits live in separate sections not yet verified)
- Whether individual state medical-debt credit-reporting bans survive a July 2025 federal court ruling — this remains legally unsettled
- Debt-buyer chain-of-title pleading requirements under New York civil procedure law
- Texas repossession sale-proceeds accounting requirements (Bus. & Com. Code §9.615)
- Statute-of-limitations figures for any state besides Texas, California, and New York
If any of these matter to your situation, that's a good reason to talk to an attorney or your state's legal aid organization — not to guess based on what's missing here.