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ARTICLE · 13 OCTOBER 2025

Controversial NYC Debt Collector Rules On Hold Indefinitely, While New Rules Loom

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The pressure is off for collectors of debts owed by New Yorkers for now, under a New York City regulation that has been years in the making, and which has already seen its effective date postponed twice before.

United StatesFinance and Banking
Krista Cooley
Krista Cooley
Francis Doorley
Francis Doorley
Daniel Pearson
Daniel Pearson
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The pressure is off for collectors of debts owed by New Yorkers for now, under a New York City regulation that has been years in the making, and which has already seen its effective date postponed twice before. The New York City Department of Consumer and Worker Protection (DCWP) has announced that the effective date of its expansive new regulations—which were finally set to take effect October 1—have been postponed indefinitely.

The Final Rules

As Mayer Brown reported in December, the DCWP adopted a multitude of new practice requirements for debt collectors in 2024 (the "Final Rules"). Importantly, the adopted rules also included a definition of "debt collector" that appeared to reach first-party debt collectors—i.e., persons collecting their own debts on their own behalf. The Final Rules were originally set to take effect December 1, 2024, but were repeatedly postponed before taking effect. Most recently, the rules were set to take effect October 1, 2025, but

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