Minnesota has not enacted a separate State law that is substantially different from the FDCPA. Minnesota law, however, does require debt collectors to be licensed, and provides a few basic protections consistent with the FDCPA. The Minnesota law applies to debt collection agencies, but does not apply to lawyers acting as collectors, or to financial institutions such as banks. The law also does not apply to real estate agents.
It does not appear that Minnesota residents can file a private lawsuit to enforce the provisions of the state’s law. Thus, Minnesota residents faced with abusive or harassing collection tactics will receive the most protection and benefit from the FDCPA.
If you believe that a collector has behaved inappropriately while attempting to collect a debt from you in Minnesota, our attorneys can help you to determine whether the FDCPA provides you with a legal remedy.
To learn more about the FDPCA, go to Federal Debt Collection Practices Act.
Minnesota Statute Chapter 332, Section 37 (332.37).