California Civil Code

§ 1788.18

CIV § 1788.18 Effective Jan 1, 2025Div. 3 · Title 1.6C · Part 4 · Art. 2

Statute text

(a)Upon receipt from a debtor of all of the following, a debt collector shall cease collection activities until completion of the review provided in subdivision (d):

(1)A copy of a Federal Trade Commission (FTC) identity theft report, completed and signed by the debtor. The debtor may choose, instead, to send a copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime, including, but not limited to, a violation of Section 530.5 of the Penal Code, for the specific debt being collected by the debt collector; however, the debt collector shall not also require a police report if the debtor submits an FTC identity theft report.

(2)The debtor’s written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the debt collector.

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Legislative history

Amended by Stats. 2024, Ch. 522, Sec. 12. (SB 1286) Effective January 1, 2025.