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 Cornell LII (verbatim).

    '
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
  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://www.law.cornell.edu/uscode/text/15/1692h
    snapshot_id: b860227ae5f867dd
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2972bd1a7905f1b2b76e0f496fdb59583201dee559f5425952cb72f1f07a59bb
    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. ( Pub. L. 90–321, title VIII, § 810 , as added Pub. L. 95–109 , Sept. 20,
      1977 , 91 Stat. 880 .)
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692h from Cornell LII snapshot b860227ae5f867dd;
      body isolated between nav and notes; substring-verified.
  judgment: false
