Relating to requiring debt collectors to provide certain disclosures to consumers.

HB 3002 requires debt collectors in Texas to provide specific written disclosures to consumers in all written debt collection communications. The bill mandates that these disclosures include a summary of consumer rights under both the federal Fair Debt Collection Practices Act (including debt validation and communication restrictions) and Texas law, plus whether the creditor might accept a settlement that removes negative credit reporting. For electronic communications, debt collectors must include a link to the Attorney General's website detailing consumer rights. The law takes effect September 1, 2025, and directly affects debt collectors and consumers dealing with debt collection efforts in Texas.