FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692o — Exemption for State regulation

fdcpa-15usc-1692o

FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692o Exemption for State regulation. Captured section-complete from Cornell LII (verbatim).

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: fdcpa-15usc-1692o
  authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692o — Exemption for State regulation
  description: |
    FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692o Exemption for State regulation. Captured section-complete from Cornell LII (verbatim).
obligations:
  - id: fdcpa-15usc-1692o-full
    canonical_id: fdcpa-15usc-1692o-full
    section: 15 U.S.C. §1692o
    description: 'Exemption for State regulation: The Bureau shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Bureau determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed b…'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692o
      source_class: usc-statute-lii
      source_url: https://www.law.cornell.edu/uscode/text/15/1692o
      snapshot_id: b952398f02f4b4a8
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:3e30233bac05f304cafc59787a0597e8b635d7d886b6a5b08fa50aaf75d86e6c
      paragraph_quote: The Bureau shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Bureau determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement. ( Pub. L. 90–321, title VIII, § 817 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 883 ; amended Pub. L. 111–203, title X, § 1089(1) , July 21, 2010 , 124 Stat. 2092 .)
      drafter_attestation: Verbatim slice of 15 U.S.C. §1692o from Cornell LII snapshot b952398f02f4b4a8; body isolated between nav and Editorial/Statutory Notes; substring-verified.

Verbatim regulatory text (1)

Verbatim provisions from FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692o — Exemption for State regulation — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

15 U.S.C. §1692o

The Bureau shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Bureau determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement. ( Pub. L. 90–321, title VIII, § 817 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 883 ; amended Pub. L. 111–203, title X, § 1089(1) , July 21, 2010 , 124 Stat. 2092 .)

Source: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692o · source URL · snapshot b952398f02f4b4a8

Operationalizing FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692o — Exemption for State regulation

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.

Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692o/ · register fdcpa-15usc-1692o · Claude for Compliance. Free to read and download; see regulatory updates and methodology.