# Online Sources — Consumer-Debt Subject Matter

Companion to `wa-law-references/references/online-sources.md`,
which catalogs canonical URLs for Washington court rules, the
RCW, federal statutes/regulations in general, and case-law
research. **This file lists the subject-matter-specific sources
for consumer-debt practice.**

## RCW — consumer-debt sections

Base pattern: `https://app.leg.wa.gov/RCW/default.aspx?cite=[RCW]`

| Statute | Purpose |
|---------|---------|
| RCW 4.16.040 | 6-year SOL, written contracts |
| RCW 4.16.080 | 3-year SOL, oral / account stated |
| RCW 4.16.270 / .280 | Acknowledgment / partial-payment tolling |
| RCW 19.16 | Collection Agency Act (full chapter) |
| RCW 19.16.250 | Prohibited practices |
| RCW 19.16.440 | Per se CPA bridge — violation of 19.16.250 is a per se CPA violation |
| RCW 19.16.450 | Collection Agency Act fee-shifting |
| RCW 19.86 | Consumer Protection Act (full chapter) |
| RCW 19.86.090 | Private right of action / damages / fees |
| RCW 19.86.120 | 4-year CPA SOL |
| RCW 62A.9A | UCC Article 9 — assignments and perfection |

## Federal Regulations — Regulation F

Base: `https://www.ecfr.gov/current/title-12/chapter-X/subchapter-C/part-1006`

| Section | Purpose |
|---------|---------|
| 12 C.F.R. Part 1006 (Reg F) | Full Regulation F |
| § 1006.6 | Communication frequency limits |
| § 1006.26 | Time-barred debt collection |
| § 1006.34 | Validation notice requirements |
| § 1006.38 | Dispute and verification procedures |

Section URL pattern:

> `https://www.ecfr.gov/current/title-12/chapter-X/subchapter-C/part-1006/subpart-B/section-[NNNN.NN]`

**Reliability note**: eCFR is the official, real-time CFR.
"Current" URLs always show the version in force today. For
historical versions, use `past/YYYY-MM-DD` in place of `current`.

## Federal Statutes — FDCPA (15 U.S.C. § 1692 et seq.)

Primary official source:

- `https://www.govinfo.gov/app/collection/uscode/title-15` (U.S.
  Code on govinfo)

Scrape-friendly mirror (Cornell LII):

- `https://www.law.cornell.edu/uscode/text/15/chapter-41/subchapter-V`
  — full FDCPA subchapter index

| Section | Purpose |
|---------|---------|
| § 1692a | Definitions |
| § 1692c | Communication with the consumer |
| § 1692d | Harassment or abuse |
| § 1692e | False or misleading representations |
| § 1692f | Unfair practices |
| § 1692g | Validation notices |
| § 1692k | Civil liability (fees, damages) |

Individual section URL: `https://www.law.cornell.edu/uscode/text/15/[NNNN]`

**Reliability note**: Cornell LII is not the official U.S. Code,
but the text is accurate and regularly updated. Use it for
*reading*; cite the U.S. Code when filing (e.g., "15 U.S.C.
§ 1692e (2018)").

## CFPB Resources

- **Reg F landing page**:
  `https://www.consumerfinance.gov/rules-policy/regulations/1006/`
- **Reg F commentary**:
  `https://www.consumerfinance.gov/rules-policy/regulations/1006/interp/`
- **Advisory opinions on debt collection**:
  `https://www.consumerfinance.gov/rules-policy/advisory-opinions/`

## FTC Resources

- **FDCPA text and compliance guide**:
  `https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text`
- **FTC enforcement actions**:
  `https://www.ftc.gov/enforcement/cases-proceedings?combine=debt+collection`

## Debt-buyer litigation research

- **CourtListener debt-collection filter**:
  `https://www.courtlistener.com/?type=r&q=fdcpa`
- **Pacer** (paywalled — avoid unless authorized for a specific
  lookup)

## Cross-references

- `../../wa-law-references/references/online-sources.md` — general
  canonical-URL catalog (rules, RCW, cases, local rules)
- `fdcpa.md` — FDCPA substance in this bundle
- `reg-f.md` — Regulation F substance in this bundle
- `wa-consumer-protection.md` — CPA substance in this bundle