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

fdcpa-15usc-1692h

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

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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…
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    tags:
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      - 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'
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      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.

Verbatim regulatory text (1)

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

Source: FDCPA (Fair Debt Collection Practices Act, 15 U.S.C.) § 1692h · source URL · snapshot b860227ae5f867dd

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

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/fdcpa-15usc-1692h/ · register fdcpa-15usc-1692h · Claude for Compliance. Free to read and download; see regulatory updates and methodology.