FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h — Multiple debts

Name: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h — Multiple debts — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fdcpa-15usc-1692h

FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692h Multiple debts. Captured section-complete from uscode.house.gov (verbatim).

This register: .xlsx .csv

source:
  type: regulation
  id: fdcpa-15usc-1692h
  authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h — Multiple debts
  description: |
    FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692h Multiple debts. Captured section-complete from uscode.house.gov (verbatim).
  effective_date: '1977-09-20'
  date_basis: 'statutory credit line: enactment date of the latest amendment listed (OLRC U.S. Code snapshot bb56db1a87c193aa); an amendment''s own effective-date provision may set a different date'
obligations:
  - id: fdcpa-15usc-1692h-full
    canonical_id: fdcpa-15usc-1692h-full
    section: 15 U.S.C. §1692h
    description: If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer ’s direction…
    type: dont
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692h&num=0&edition=prelim
      snapshot_id: bb56db1a87c193aa
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:c2c09adbc9aba0521478afb329326a3a0aee61b064bd1857134f964f85cf4a4a
      paragraph_quote: If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer’s directions.
      drafter_attestation: 'Verbatim 15 U.S.C. §1692h text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bb56db1a87c193aa; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot b860227ae5f867dd: the same words, without Cornell''s rendering artifacts (a space before punctuation after every cross-reference link).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
    notes_split_to: fdcpa-15usc-1692h-notes
  - id: fdcpa-15usc-1692h-notes
    canonical_id: fdcpa-15usc-1692h-notes
    section: 15 U.S.C. §1692h note — source credit and editorial notes (not statute text)
    description: 'Editorial matter printed after the statute text: the source credit (enacting and amending public laws) and any footnotes or notes (e.g. Historical and Revision Notes, committee reports, References in Text). Not part of the operative statute.'
    type: note
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - statute-notes
      - not-statute-text
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1692h note — source credit and editorial notes (not statute text)
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692h&num=0&edition=prelim
      snapshot_id: bb56db1a87c193aa
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:c2c09adbc9aba0521478afb329326a3a0aee61b064bd1857134f964f85cf4a4a
      paragraph_quote: (Pub. L. 90–321, title VIII, § 810, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 880.)
      drafter_attestation: 'Verbatim 15 U.S.C. §1692h text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bb56db1a87c193aa; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot b860227ae5f867dd: the same words, without Cornell''s rendering artifacts (a space before punctuation after every cross-reference link).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
    split_from: fdcpa-15usc-1692h-full

Verbatim regulatory text (2)

Verbatim provisions from FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h — Multiple debts — 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. §1692h

If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer’s directions.

Source: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h · source URL · snapshot bb56db1a87c193aa

15 U.S.C. §1692h note — source credit and editorial notes (not statute text)

(Pub. L. 90–321, title VIII, § 810, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 880.)

Source: 15 U.S.C. §1692h note — source credit and editorial notes (not statute text) · source URL · snapshot bb56db1a87c193aa

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Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692h/ · register fdcpa-15usc-1692h · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.