Utah Code Title 12. Collection Agencies § 12-1-11. Collection fee--Convenience fees

(i) a debt collector as defined in 15 U.S.C. Sec. 1692a; or

(ii) a person who would be a debt collector under 15 U.S.C. Sec. 1692a, except that the person does not use an instrumentality of interstate commerce or the mail.

(i) imposing a collection fee on the debtor or in relation to the debt is not prohibited or otherwise restricted by another federal or state law;

(ii) the creditor contracts with a third party debt collection agency or licensed attorney to collect the debt;

(iii) the third party debt collection agency with which the creditor contracts is registered under this title;

(iv) there is a written agreement between the creditor and the debtor that:

(v) the obligation to pay the collection fee is imposed at the time of assignment of the debt to a third party debt collection agency or licensed attorney in accordance with an agreement described in Subsection (2)(a)(iv).

(i) the actual amount a creditor is required to pay a third party debt collection agency or licensed attorney, regardless of whether that amount is a specific dollar amount or a percentage of the principal amount owed to the creditor for a debt; or

(ii) 40% of the principal amount owed to the creditor for a debt.

(i) the phone;

(ii) text or similar short message service; or

(iii) the Internet.

(i) clearly disclose to the debtor that the third party debt collection agency will charge the debtor a convenience fee, in a time and manner that allows the debtor to accept or reject the convenience fee;

(ii) disclose to the debtor the amount of the convenience fee; and

(iii) give the debtor an alternative payment method option for which a convenience fee does not apply.