What changes by state.
Federal TCPA sets the floor.
What changes when you call overdue customers in different states. Federal TCPA and FDCPA set the floor; state laws extend it. These pages cover the differences SMB owners need to know before turning on AI invoice collection. None of this is legal advice; consult a licensed attorney before acting on any specific claim.
For the federal compliance layer Syntharra enforces in code, see /compliance. For the conceptual overview, see AI invoice collection.
FL
Florida
Florida adds the FCCPA on top of the federal TCPA and FDCPA. For first-party invoice follow-up, the practical impact is a tighter calling window and stricter dispute handling.
CA
California
California layers the Rosenthal Act on top of federal TCPA and FDCPA, plus the CCPA on data handling. The combination is the strictest in the United States.
NY
New York
New York General Business Law adds consumer-protection requirements on top of federal TCPA and FDCPA. The state has been an active jurisdiction for class-action filings on automated calls.
TX
Texas
Texas Finance Code Chapter 392 covers debt collection, while Texas Business and Commerce Code §305 governs unauthorized telephone solicitation. Federal TCPA and FDCPA cover the rest.
IL
Illinois
Illinois has the Collection Agency Act and is a two-party recording consent state. AI voice agents face strict identification and recording-disclosure requirements.
MA
Massachusetts
Massachusetts Chapter 93A and 209 CMR 18.00 add consumer-protection requirements on top of the federal TCPA and FDCPA. The state is a two-party recording consent jurisdiction.
AZ
Arizona
Arizona is one-party-consent for recording, follows the federal TCPA floor, and has comparatively light state-level debt-collection rules for first-party creditors. The bar to keep is federal.
GA
Georgia
Georgia is one-party-consent, follows the federal TCPA floor, and has the Georgia Fair Business Practices Act as the main consumer-protection lever. Same federal compliance applies regardless.
NJ
New Jersey
New Jersey is two-party-consent, has aggressive consumer-protection enforcement under the Consumer Fraud Act, and treats unfair business practices as a treble-damages issue. The federal TCPA floor sits underneath all of it.
PA
Pennsylvania
Pennsylvania is two-party-consent for recording and has the Fair Credit Extension Uniformity Act extending FDCPA-like protections to first-party creditors. Both layers sit on top of the federal TCPA floor.
OH
Ohio
Ohio is one-party-consent for recording, has the Consumer Sales Practices Act as the main consumer-protection layer, and shortened its statute of limitations on written contracts to 6 years in 2021.
NC
North Carolina
North Carolina has the Debt Collection Act, which extends FDCPA-style protections to first-party creditors. Recording is one-party. The 3-year statute of limitations on contracts is shorter than most US states.
WA
Washington
Washington is two-party-consent for recording under RCW 9.73, has the Washington Consumer Protection Act with treble damages on top of the federal TCPA floor, and is one of the more active TCPA-litigation jurisdictions in the country.
CO
Colorado
Colorado is one-party-consent for recording, has the Colorado Fair Debt Collection Practices Act and Consumer Protection Act layered on top of the federal floor, and a 6-year limit on liquidated debt claims.
VA
Virginia
Virginia is one-party-consent for recording, has the Virginia Consumer Protection Act with treble damages on willful violations, and gives 5 years on a written contract. The federal TCPA floor sits underneath all of it.
MI
Michigan
Michigan's recording-consent law is genuinely contested in the case law. Michigan extends FDCPA-style protections to first-party creditors under MCL 445.251, and the MCPA covers unfair-practice exposure on top of the federal TCPA floor.
MN
Minnesota
Minnesota is one-party-consent for recording, has the Prevention of Consumer Fraud Act and the Uniform Deceptive Trade Practices Act layered on top of the federal TCPA floor, and one of the higher small-claims caps in the country.
WI
Wisconsin
Wisconsin is one-party-consent for recording, but the Wisconsin Consumer Act extends FDCPA-style protections to first-party creditors on consumer-credit transactions. The federal TCPA floor sits underneath both layers.
IN
Indiana
Indiana leans on federal TCPA and FDCPA for most outbound-call requirements, with the Indiana Uniform Consumer Credit Code adding state-level consumer protections for first-party creditors.
TN
Tennessee
Tennessee's Consumer Protection Act and federal TCPA together set the practical compliance envelope for AI voice invoice follow-up in the state.
MO
Missouri
Missouri's Merchandising Practices Act and federal TCPA set the compliance envelope for outbound invoice calls in the state.
MD
Maryland
Maryland has both the Maryland Consumer Debt Collection Act and an all-party recording-consent requirement. The combination is more restrictive than most one-party-consent states.
OR
Oregon
Oregon's all-party recording-consent requirement and Unlawful Trade Practices Act make it one of the more restrictive states for outbound AI invoice calls.
CT
Connecticut
Connecticut's Creditors' Collection Practices Act extends FDCPA-style protections to first-party creditors, and the state requires all-party recording consent.
NV
Nevada
Nevada is an all-party-consent state for call recording and enforces collection rules through its Consumer Protection chapter. Federal TCPA governs AI voice calls.
KY
Kentucky
Kentucky's Consumer Protection Act applies broadly to first-party invoice follow-up. The state is one-party consent for recording, and federal TCPA sets the call-window floor.
LA
Louisiana
Louisiana's Unfair Trade Practices Act governs collection conduct for first-party creditors. The state is one-party consent for recording, and Louisiana is fully in Central time.
SC
South Carolina
South Carolina's Unfair Trade Practices Act covers first-party invoice follow-up. The state is one-party consent for recording, and federal TCPA governs AI voice calls.
AL
Alabama
Alabama's Deceptive Trade Practices Act and consumer collection statutes govern invoice follow-up. The state spans two time zones and is one-party consent for recording.
MS
Mississippi
Mississippi's Consumer Protection Act covers first-party invoice follow-up. The state is one-party consent for recording and is fully in the Central time zone.
IA
Iowa
Iowa's Consumer Fraud Act and Consumer Credit Code govern invoice follow-up for first-party creditors. The state is one-party consent for recording.
KS
Kansas
Kansas's Consumer Protection Act prohibits deceptive commercial practices for first-party creditors. The state is one-party consent for recording.
AR
Arkansas
Arkansas's Deceptive Trade Practices Act covers first-party invoice follow-up. The state is one-party consent for recording, and federal TCPA sets the call-window floor.
UT
Utah
Utah's Consumer Sales Practices Act governs commercial dealings broadly. The state is one-party consent for recording, and Utah is fully in the Mountain time zone.
OK
Oklahoma
Oklahoma's Consumer Protection Act covers deceptive commercial practices for first-party creditors. The state is one-party consent for recording.
NM
New Mexico
New Mexico's Unfair Practices Act covers deceptive commercial conduct broadly. The state is one-party consent for recording and fully in the Mountain time zone.
WV
West Virginia
West Virginia's Consumer Credit and Protection Act covers first-party creditors. The state is one-party consent for recording, and federal TCPA governs AI voice calls.
NE
Nebraska
Nebraska's Consumer Protection Act covers first-party invoice follow-up. The state spans two time zones and is one-party consent for recording.
ID
Idaho
Idaho's Consumer Protection Act covers deceptive practices for first-party creditors. Idaho spans Mountain and Pacific time zones — both affect TCPA call-window enforcement.
HI
Hawaii
Hawaii requires all-party recording consent and observes Hawaii-Aleutian Standard Time — a significant TCPA call-window offset for businesses calling from the mainland.
ME
Maine
Maine's Unfair Trade Practices Act and Consumer Credit Code govern first-party invoice follow-up. The state is one-party consent for recording.
MT
Montana
Montana requires all-party recording consent under its wiretapping statute. The Consumer Protection Act covers first-party invoice follow-up, and Montana is fully in the Mountain time zone.
ND
North Dakota
North Dakota's Consumer Fraud Act prohibits deceptive commercial practices. The state spans two time zones and is one-party consent for recording.
SD
South Dakota
South Dakota's consumer protection statutes cover first-party invoice follow-up. The state spans Central and Mountain time zones and is one-party consent for recording.
WY
Wyoming
Wyoming's Consumer Protection Act prohibits deceptive commercial practices for first-party creditors. The state is one-party consent for recording and fully in the Mountain time zone.
AK
Alaska
Alaska Standard Time creates a significant TCPA call-window offset for mainland callers. Alaska's Consumer Protection Act covers first-party creditors, and the state is one-party consent for recording.
RI
Rhode Island
Rhode Island's Deceptive Trade Practices Act covers first-party creditors. The state is one-party consent for recording, and federal TCPA governs AI voice calls.
DE
Delaware
Delaware's Consumer Fraud Act covers first-party creditors. Note: Delaware incorporation does not affect TCPA call-window rules — those follow the customer's location.
VT
Vermont
Vermont's Consumer Protection Act covers first-party invoice follow-up and allows recovery of attorney fees in successful private actions. The state is one-party consent for recording.
NH
New Hampshire
New Hampshire requires all-party recording consent under RSA 570-A:2. Its Consumer Protection Act covers first-party creditors and provides attorney-fee recovery for successful private actions.
State-specific guardrails baked into the call layer at every dial.
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