Fair debt collection practices act or any provision of federal or state law relating to notice of data security breach or exemption for state regulation. Analysis and compliance guidance to the fdcpa state fair debt collection laws and regulations state debt management laws key common law issues and quick reference . federal and state law and regulation the guide to fair debt collection practices laws in the texas is the only state whose fair debt law is addressed . Collection agencies and bill collectors in all 50 states are governed by the federal fair debt collection practices act the fdpa prohibits debt collectors . Fair debt collection broadly refers to regulation of the united states debt collection industry at both the federal and state level at the federal level it is
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