Statutes

FCRA, FDCPA, TCPA with exact citations

Key federal statutes: FCRA 15 U.S.C. § 1681 et seq. (credit reporting), FDCPA 15 U.S.C. § 1692 et seq. (debt collection), TCPA 47 U.S.C. § 227 (robocalls/texts). Each carries statutory damages — $1,000 per FDCPA violation, up to $1,500 per TCPA call.