In addition to any practices required under any federal, state or local law, a debt collection agency shall:
a. In any permitted communication with the consumer, provide:
i. a call-back number to a phone that is answered by a natural person,
ii. the name of the agency,
iii. the originating creditor of the debt,
iv. the name of the person to call back, and
v. the amount of the debt at the time of the communication.
b. Confirm in writing to the consumer, within five business days, any debt payment schedule or settlement agreement reached regarding the debt.