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New York City’s Department of Consumer and Worker Protection (DCWP) has finalized its SHIELD debt collection rule, which it is characterizing as the strongest set of protections in the country against predatory and harassing collection practices, with an effective date of September 1, 2026.
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Core features of the SHIELD rule
- Tight communications limits. The rule further restricts how often and by what channels debt collectors can contact consumers, tightening limits beyond federal Regulation F to curb incessant calls, emails, and texts viewed as harassment.
- Any-time dispute rights. Consumers can dispute a debt at any time, not only during a narrow 30‑day validation window, and a dispute triggers a halt to collection until…