Fair Debt Collection: 2.5.7.1 Importance of State Claims
State claims may offer punitive,73 multiple, or statutory damages in addition to the relief offered by the FDCPA. Even when the FDCPA applies to a case, local law may supplement it or be more favorable to the consumer.74 For example, a collector may violate a state law for which the FDCPA does not provide a parallel prohibition.