[brief] 3  **Hernandez v. Williams, Zinman & Parham PC,** 829 F.3d 1068 (9th Cir. 2016) .................................................................. 13 **Hunstein v. Preferred Collection & Mgmt. Servs.,** 17 F.4th 1016 (11th Cir. 2021) ............................................................... 4, 12, 15 **Jackin v. Enhanced Recovery Co., LLC,** 606 F. Supp. 3d 1031 (E.D. Wash. 2022) ............................................... 4, 12, 15 **Jacobson v. Healthcare Fin. Servs.,** 516 F.3d 85 (2d Cir. 2008) .................................................................... 3 Khimmat v. Weltman, Weinberg & Reis Co, LPA, 585 F. Supp. 3d 707 (E.D. Pa. 2022) .................................................. 4, 10, 12, 15 Loper Bright Enters. v. Raimondo, -- U.S. --, 144 S. Ct. 2244 (2024) ......................................................... 12 Mangum v. Action Collection Serv., Inc., 575 F.3d 935 (9th Cir. 2009) ........................................................................... 5 Matter of Cong. Dists. by N.J. Redist’g Com’n, 249 N.J. 561 (2022) .......................................................................................... 3 Midland Funding LLC v. Thiel, 446 N.J. Super. 537 (App. Div. 2016) .............................................................. 1, 4 Murray v. Plainfield Rescue Squad, 210 N.J. 581 (2012) ............................................................................................ 6 Nappe v. Anschelewitz, Barr, Ansell & Bonello, 189 N.J. Super. 347 (App. Div. 1983) ............................................................... 2 Phillips v. Asset Acceptance, L.L.C., 736 F.3d 1076 (7th Cir. 2013) ............................................................................. 2 Romine v. Diversified Collection Servs., 155 F.3d 1142 (9th Cir. 1998) ............................................................................. 10 State v. Courtney, 243 N.J. 77 (2020) ............................................................................................ 5 TransUnion LLC v. Ramirez, 594 U.S. 413 (2021) ............................................................................................ 3 Weinberg v. Sprint Corp., 173 N.J. 233 (2002) ............................................................................................ 4 Statutes and Regulations 12 CFR § 1006.34(c)(2)(i) ..................................................................................... 14 15 U.S.C. § 1692 .................................................................................................... 4, 5, 6 15 U.S.C. § 1692c(b) .......................................................................................... 1, 4, 5, 7, 8, 9, 11, 14, 15 15 U.S.C. § 1692d ................................................................. 5, 11 15 U.S.C. § 1692f .................................................................. 11 15 U.S.C. § 1692g(a) ............................................................ 13 15 U.S.C. § 1692k .................................................................. 1, 2 15 U.S.C. § 6802 ................................................................... 14 16 CFR § 313.4(a)(2) ............................................................. 14 16 CFR § 313.6 ..................................................................... 15 N.J.S.A. 56:8-19 .................................................................. 4 P.L. 95-109 ........................................................................... 5 Rules R. 4:6-2(e) .............................................................................. 9, 10, 11 Other Authorities [...], *Statements of General Policy or Interpretation* Staff Commentary on the Fair Debt Collection Practices Act, 53 Fed. Reg. 50097-02 (Dec. 13, 1988)