Cease-of-collection pending verification
15 U.S.C. § 1692g(d)Plain English
When the consumer disputes the debt in writing under § 1692g(b), all collection activity — including any communication attempting to collect the debt — must cease until the collector obtains verification of the debt and mails a copy to the consumer.
How SettleUp Collections enforces
On a written § 1692g(b) dispute, the agent stamps every outbound letter, voice, and SMS with the § 1692g(d) hold-down language and refuses all further dispatch until verification is attached to the matter. The verification artifact is post-inserted into the consumer's outgoing mail. The cease of collection does NOT co-fire with § 1692g(b) verification-only triggers: a § 1692g(b) verification upload closes the dwell, a § 1692g(d) cease-of-collection closes the same dwell from the other side. Both share the same closure path — the verification upload — while the § 1692c(c) cease-communication-upon-written-request rule lives separately and is not implicated by a § 1692g(b) dispute.
Why this rule is in the library
Section 1692g(d) is the operative cease-of-collection authority — collection activity "shall cease" until verification is mailed. This rule was previously folded into the § 1692g(b) verification rule and into the § 1692g validation-notice rationale; it now resolves cleanly against its own row so a cite of "15 U.S.C. § 1692g(d)" in the audit trail maps to one rule, not a co-rise with § 1692g(b) verification. The cease-communication-upon-written-request authority lives separately at § 1692c(c) and runs on a different statutory trigger (a written cease request, not a written dispute). The § 1692g(d) verbatim text is locked in `VALIDATION_NOTICE_D` in `src/lib/business/fdcpa-text.ts` and post-inserted into every dispute reply so the language cannot drift.