Answer:
The Fair Debt Collection Practices Act (FDCPA)
Explanation:
The FDCPA is a federal law that provides limitations on what debt collectors can do when collecting certain types of debt. It covers:
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you.
The restrictions on communications by debt collectors when collecting a debt, according to FDCPA:
There are also federal consumer financial protection laws that prohibit unfair, deceptive, or abusive acts or practices that apply to debt collectors, as well as creditors.
Most states have laws about debt collection practices, many of which are similar to the FDCPA. Some of those state laws cover the original creditor, while others don't. States also have Unfair and Deceptive Acts and Practices laws that may apply to debt collection.
Information obtained from Consumer Financial Protection Bureau
