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Under the Rosenthal Fair Debt Collection Practices Act, which California-specific protection is provided beyond federal FDCPA?

Correct Answer

C) It applies to original creditors collecting their own debts, not just third-party collectors

Unlike the federal FDCPA which only covers third-party debt collectors, California's Rosenthal Act extends consumer protections to original creditors collecting their own debts.

Answer Options
A
It only applies to third-party collectors
B
It eliminates all debt collection rights
C
It applies to original creditors collecting their own debts, not just third-party collectors
D
It only covers medical debts

Why This Is the Correct Answer

Unlike the federal FDCPA which only covers third-party debt collectors, California's Rosenthal Act extends consumer protections to original creditors collecting their own debts.

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