Fair Debt Collection Practices Act (FDCPA): Federal law that restricts debt collection practices and provides guidelines for fair treatment of debtors in medical payment collections
Truth in Lending Act (TILA): Federal regulation requiring clear disclosure of lending terms and costs in payment plan agreements
Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, including medical payment reporting
HIPAA: Federal law ensuring patient privacy and security of medical information in payment arrangements and healthcare communications
Consumer Credit Protection Act: Federal law providing comprehensive protection for consumers in credit transactions, including medical payment plans
Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions, including medical payment arrangements
State Usury Laws: State-specific regulations governing maximum interest rates and terms that can be charged on medical payment plans
State Medical Debt Collection Regulations: State-specific rules governing how medical debt can be collected and what practices are prohibited
State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in medical billing and payment arrangements
CMS Guidelines: Federal guidelines from Centers for Medicare & Medicaid Services affecting medical billing and payment practices
Hospital Price Transparency Rules: Federal requirements for hospitals to provide clear pricing information and payment options to patients
No Surprises Act: Federal law protecting patients from unexpected medical bills and requiring transparent cost information
Payment Processing Requirements: Regulations governing how payments must be processed, recorded, and credited to patient accounts
Late Payment Policies: Regulations governing how late payments must be handled and what fees can be assessed
Default Procedures: Legal requirements for handling defaulted medical payment plans and collection procedures
