FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692n — Relation to State laws

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

fdcpa-15usc-1692n

FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692n Relation to State laws. Captured section-complete from uscode.house.gov (verbatim).

This register: .xlsx .csv

source:
  type: regulation
  id: fdcpa-15usc-1692n
  authority: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692n — Relation to State laws
  description: |
    FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.), §1692n Relation to State laws. 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 c6481e24c27e506f); an amendment''s own effective-date provision may set a different date'
obligations:
  - id: fdcpa-15usc-1692n-full
    canonical_id: fdcpa-15usc-1692n-full
    section: 15 U.S.C. §1692n
    description: 'Relation to State laws: This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and th…'
    type: reference
    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.) § 1692n
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692n&num=0&edition=prelim
      snapshot_id: c6481e24c27e506f
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:77a0bb18381e11e6e7a2c2e24ece117017b673accec9187bf1243c0439c331ac
      paragraph_quote: This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.
      drafter_attestation: 'Verbatim 15 U.S.C. §1692n text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot c6481e24c27e506f; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot 3ddf7b3ce2304695: 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-1692n-notes
  - id: fdcpa-15usc-1692n-notes
    canonical_id: fdcpa-15usc-1692n-notes
    section: 15 U.S.C. §1692n 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. §1692n 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-section1692n&num=0&edition=prelim
      snapshot_id: c6481e24c27e506f
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:77a0bb18381e11e6e7a2c2e24ece117017b673accec9187bf1243c0439c331ac
      paragraph_quote: (Pub. L. 90–321, title VIII, § 816, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 883.)
      drafter_attestation: 'Verbatim 15 U.S.C. §1692n text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot c6481e24c27e506f; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot 3ddf7b3ce2304695: 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-1692n-full

Verbatim regulatory text (2)

Verbatim provisions from FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692n — Relation to State laws — 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. §1692n

This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.

Source: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692n · source URL · snapshot c6481e24c27e506f

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

(Pub. L. 90–321, title VIII, § 816, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 883.)

Source: 15 U.S.C. §1692n note — source credit and editorial notes (not statute text) · source URL · snapshot c6481e24c27e506f

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Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692n/ · register fdcpa-15usc-1692n · 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.