This model law, the Model Consumer Debt Collection Reform Act, is intended to protect consumers from the most common abuses in the credit and collections industries, restoring balance to an increasingly lopsided system of justice. It is intended to ensure that consumers receive basic protections as creditors pursue collection lawsuits against them.
The Model Consumer Debt Collection Reform Act was formerly Title I of NCLC’s Model Family Financial Protection Act (MFFPA). As originally written, that model law included a second title that addressed post-judgment collection issues. In early 2026, NCLC published an updated version of that title as the Model Family Property and Income Protection Act.
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