Collector - October 2020 - 48

Speaking of Rules
ACA SearchPoint provides information on state laws concerning communication with consumers.

T

he Fair Debt Collection Practices
Act places certain restrictions on
debt collectors, such as how they
can speak to consumers and what time
they can call consumers, to name a few.
On top of the federal restrictions relating
to oral communications, some states
also place restrictions on these types of
communications that are either the same
as those found in the FDCPA or, in some
instances, greater. Here we highlight
some of the state requirements for oral
communications with consumers.
The FDCPA specifies certain hours to
contact consumers, and states that have
their own laws concerning hours to contact
consumers often mirror the requirements in
the FDCPA.
One such state law adopts the same calling
hours as the FDCPA, but also includes a
caveat that "all telephone communications
made from 9 p.m. to 8 a.m. shall be
presumed to be made at an inconvenient
time in the absence of facts to the contrary."
Another state does not provide specific
hours during which calls are acceptable in
its laws; instead, this state mandates that
a collection agency contact consumers
only during reasonable hours and make
reasonable attempts to contact consumers
at their residence.
The FDCPA also regulates calls made
to a consumer's place of employment.
Certain states have further refined the
requirements for these types of calls.
For example, one state allows collection
agencies to leave a call back message at a
consumer's place of employment if that
message is limited to the agency's telephone
number and the collector's name. Other
states with laws concerning contacting
consumers at their place of employment
do not allow debt collectors to contact the
consumer's place of employment without
the consumer's consent.

48

At least one state requires debt collectors
to provide the following in written and
telephonic communications: the specific
reason for the communication, the name
of the creditor, the registered name of
the agency, the date of communication
in written communication and, in oral
communication, the identity of the collector
making the contact.
For a more in-depth look at the issues
surrounding state oral communication laws,
ACA members can review ACA SearchPoint
document #2011, State Laws Governing Oral

Communications. Members can also review
ACA SearchPoint document, #2018 Use
of Aliases.
Have you checked out ACA's memberonly SearchPoint library? ACA 
SearchPoint is filled with documents
that put important compliance
information related to the FDCPA,
FCRA, TCPA, state laws and many
other topics at your fingertips. To
access ACA SearchPoint, visit
acainternational.org/searchpoint.

Built for start-ups. Scalable for growth.
Demo.Collect-Cloud.com | Collect.org

ACAINTERNATIONAL.ORG


http://www.acainternational.org/searchpoint http://Demo.Collect-Cloud.com http://www.Collect.org http://www.ACAINTERNATIONAL.ORG

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