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).

Get this register: .xlsx .csv More bundles →

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: 'Multiple debts: 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
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - 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 slice of 15 U.S.C. §1692h from Cornell LII snapshot b860227ae5f867dd; body isolated between nav and Editorial/Statutory 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