State protections
Debt collection protections in New York
What New York adds on top of the federal FDCPA, and how to use it. Last reviewed July 22, 2026.
The short version
New York regulates debt collection at the state level (DFS regulations, General Business Law) and, in New York City, through additional Department of Consumer and Worker Protection rules.
N.Y. Gen. Bus. Law §601 · 23 NYCRR Part 1 (NYS DFS) · NYC DCWP rules
What New York adds on top of the FDCPA
- State DFS rules require debt substantiation on consumer request.
- NYC imposes stricter licensing and disclosure requirements on collectors.
- Prohibits specific abusive and deceptive collection practices.
Can you record a collector's call in New York?
New Yorkfollows the federal one-party rule, so recording a call you're on is generally permitted — but if the collector is in a stricter state, assume the stricter rule. Compare every state.
Document it while it's happening
State overlays only help if you can show what happened. Log each contact with its date and time and Collector Audit checks it against both the FDCPA and New York's rules.
Start a fileStop the calls
Or let us send the cease & desist for you.
Once the collector receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.
- Drafted from your logged contacts
- Printed and mailed certified, with tracking
- Delivery date filed to your evidence vault
- You approve the wording before it goes
One-time, no subscription. Logging calls is free — you only pay when a letter goes out.
This is general information, not advice
Collector Audit is not a law firm and this page is not legal advice. Statutes change and summaries can't capture how a rule applies to your facts. See all states and our disclaimer.