source:
  type: regulation
  id: fdcpa-15usc-1692g
  authority: 15 USC § 1692g — Validation of debts
  description: 'FDCPA''s debt validation notice requirement. Within 5 days after the

    initial communication, [LENDER] (in debt-collection capacity or under

    Reg F first-party overlay) shall send a written validation notice

    with five required content elements: debt amount, name of creditor,

    statement of 30-day dispute period and consequence, statement of

    verification right if disputed in writing, statement of right to

    original creditor name/address if requested in writing. If consumer

    disputes in writing within the 30-day period, [LENDER] shall cease

    collection until verification is obtained and mailed.

    '
obligations:
- id: fdcpa-15usc-1692g-a
  canonical_id: fdcpa-15usc-1692g-a
  section: 15 U.S.C. §1692g(a)
  description: '(a): (a) Notice of debt; contents Within five days after the initial communication with
    a consumer in connection with the collection of any debt, a debt collector shall, unless the following
    information is contained in the initial communication or the consumer has paid the debt, send the
    consumer a writt…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692g(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692g
    snapshot_id: db279b21d6868264
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
    paragraph_quote: (a) Notice of debt; contents Within five days after the initial communication with
      a consumer in connection with the collection of any debt, a debt collector shall, unless the following
      information is contained in the initial communication or the consumer has paid the debt, send the
      consumer a written notice containing— (1) the amount of the debt ; (2) the name of the creditor
      to whom the debt is owed; (3) a statement that unless the consumer , within thirty days after receipt
      of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed
      to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector
      in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the
      debt collector will obtain verification of the debt or a copy of a judgment against the consumer
      and a copy of such verification or judgment will be mailed to the consumer by the debt collector;
      and (5) a statement that, upon the consumer ’s written request within the thirty-day period, the
      debt collector will provide the consumer with the name and address of the original creditor , if
      different from the current creditor .
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692g from Cornell LII snapshot db279b21d6868264;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692g-b
  canonical_id: fdcpa-15usc-1692g-b
  section: 15 U.S.C. §1692g(b)
  description: '(b): (b) Disputed debts If the consumer notifies the debt collector in writing within
    the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed,
    or that the consumer requests the name and address of the original creditor , the debt collector shall
    cease collecti…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692g(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692g
    snapshot_id: db279b21d6868264
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
    paragraph_quote: (b) Disputed debts If the consumer notifies the debt collector in writing within
      the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed,
      or that the consumer requests the name and address of the original creditor , the debt collector
      shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains
      verification of the debt or a copy of a judgment, or the name and address of the original creditor
      , and a copy of such verification or judgment, or name and address of the original creditor , is
      mailed to the consumer by the debt collector. Collection activities and communications that do not
      otherwise violate this subchapter may continue during the 30-day period referred to in subsection
      (a) unless the consumer has notified the debt collector in writing that the debt, or any portion
      of the debt, is disputed or that the consumer requests the name and address of the original creditor.
      Any collection activities and communication during the 30-day period may not overshadow or be inconsistent
      with the disclosure of the consumer’ s right to dispute the debt or request the name and address
      of the original creditor.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692g from Cornell LII snapshot db279b21d6868264;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692g-c
  canonical_id: fdcpa-15usc-1692g-c
  section: 15 U.S.C. §1692g(c)
  description: '(c): (c) Admission of liability The failure of a consumer to dispute the validity of a
    debt under this section may not be construed by any court as an admission of liability by the consumer
    .'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692g(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692g
    snapshot_id: db279b21d6868264
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
    paragraph_quote: (c) Admission of liability The failure of a consumer to dispute the validity of a
      debt under this section may not be construed by any court as an admission of liability by the consumer
      .
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692g from Cornell LII snapshot db279b21d6868264;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692g-d
  canonical_id: fdcpa-15usc-1692g-d
  section: 15 U.S.C. §1692g(d)
  description: '(d): (d) Legal pleadings A communication in the form of a formal pleading in a civil action
    shall not be treated as an initial communication for purposes of subsection (a).'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692g(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692g
    snapshot_id: db279b21d6868264
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
    paragraph_quote: (d) Legal pleadings A communication in the form of a formal pleading in a civil action
      shall not be treated as an initial communication for purposes of subsection (a).
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692g from Cornell LII snapshot db279b21d6868264;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692g-e
  canonical_id: fdcpa-15usc-1692g-e
  section: 15 U.S.C. §1692g(e)
  description: '(e): (e) Notice provisions The sending or delivery of any form or notice which does not
    relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley
    Act [ 15 U.S.C. 6801 et seq.], or any provision of Federal or State law relating to notice of data
    security breac…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692g(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692g
    snapshot_id: db279b21d6868264
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
    paragraph_quote: (e) Notice provisions The sending or delivery of any form or notice which does not
      relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley
      Act [ 15 U.S.C. 6801 et seq.], or any provision of Federal or State law relating to notice of data
      security breach or privacy, or any regulation prescribed under any such provision of law, shall
      not be treated as an initial communication in connection with debt collection for purposes of this
      section. ( Pub. L. 90–321, title VIII, § 809 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat.
      879 ; amended Pub. L. 109–351, title VIII, § 802 , Oct. 13, 2006 , 120 Stat. 2006 .)
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692g from Cornell LII snapshot db279b21d6868264;
      body isolated between nav and notes; substring-verified.
  judgment: false
