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Several states require creditors to provide the Mini-Miranda to consumers
In a debt collector's initial communication with a consumer, Section 807(11) of the Fair Debt Collection Practices Act (FDCPA) requires the collector to state, "This communication is an attempt to collect a debt and any information obtained will be used for that purpose." This disclosure is commonly known as the Mini-Miranda.
In the event a debt collector's first communication with a consumer is oral, the full Mini-Miranda disclosure must also be included in the first written communication (i.e., the first notice) sent to the consumer. All communications subsequent to the initial written communication are required to disclose to the consumer that the communication is from a debt collector. While creditors-as first- party collectors-are not generally subject to the requirements of the FDCPA, state law may require creditors to provide a similar disclosure in communications with a consumer.
Some states and the District of Columbia require that creditors who collect their own debts adhere to the same disclosure laws that apply to third-party debt collectors when communicating with consumers residing in these states.
Following is a listing of state Mini-Miranda disclosure requirements that apply to creditors and first-party collectors as defined in the applicable laws.
District of Columbia
No debt collector shall use any fraudulent, deceptive or misleading representation or means to collect or attempt...