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Action required New York City Department of Consumer Affairs NY Sep 30, 2026

Debt Collection SHIELD Rule Effective Date Clarification

Clarification indicates that the new SHIELD Rule for debt collectors will not take effect until January 1, 2027, despite initial expectations of an earlier date.

Clarification indicates that the new SHIELD Rule for debt collectors will not take effect until January 1, 2027, despite initial expectations of an earlier date.

What changed

Effective date of the SHIELD Rule deferred to January 1, 2027.

Compliance perspective

Debt collectors operating in NYC will continue to adhere to existing regulations until the new rule is in effect.

Need help keeping up with these changes?

Tell us where you operate and what licenses you hold; we'll handle the filings and renewals so changes like this do not catch you off guard.

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