New York City's Department of Consumer and Worker Protection (DCWP) new SHIELD (Stopping Harassment and Intimidation and Ensuring Lawful Debt) collection rules—adopted under Local Law 34 of 2022 and finalized as amendments to Title 6, Chapter 5 of the RCNY—represent a significant overhaul of debt collection practices.

The rules require clear, itemized disclosures, stricter communication limits, and robust recordkeeping to prevent harassment and improve transparency. They have broad implications for creditors and agencies, effectively resetting expectations toward stronger data governance and more consumer-first practices. With an effective date of September 1, 2026, TRMA members are encouraged to register for the webinar to better understand the requirements, ensure compliance, and prepare for enforcement.