有关“Mini Miranda Warning”英文释义如下：

“At the beginning of a collection call, a debt collector must recite wording that has come to be called the ‘mini-Miranda’ disclosure. It informs the consumer that the call is from a debt collector, that they are calling to collect a debt, and that any information revealed in the call will be used to collect that debt. The disclosure must also be included in written correspondence with consumers, such as a collection letter. This important provision is required by the Fair Debt Collection Practices Act to prevent debt collectors from calling under false pretenses and gaining information from consumers that can later be used against them.”

简言之，就是债务催收人在与任何消费者进行通信（电话或书面）时开头必须使用的一段声明，比如“This is an attempt to collect a debt and any information obtained will be used for that purpose.”，目的在于告知消费者他们所说的任何话以及提供的任何信息均可能被债务催收人用来催收债务，所以消费者需谨慎措辞，任何话都可能产生严重的不良后果。

这个规定来自美国《公平债务催收法案》（Fair Debt Collection Practices Act，FDCPA），一项管理债务催收人催收活动的联邦法律，其中第807条（虚假或误导性陈述）规定“债务催收人不得使用任何虚假、欺骗性或误导性陈述催收债务”，与“Mini Miranda Warning”相关的规定就是第（11）款，具体规定如下所示：

“The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.”

需要注意的是，这里的“Mini Miranda Warning”适用的是第三方债务催收人，也就是说，仅在第三方债务催收人以任何通信形式与债务人联系时才需作出该等声明，如果是债权人（原始债权人）通过电话、邮件或亲自与债务人联系，则债权人无需作出该等声明。债务催收人既可以是催收人，也可以是债务催收机构，nyc.gov对“债务催收人”的定义为：

“A private company or person - including a debt collection attorney or law firm - that attempts to collect personal or household debt from New York City residents. The debt collector may:

Own the debt (purchased from a creditor) and collect for itself; or

Be hired by a creditor or other company to assist in collecting the debt.

（试图从纽约市居民处催收个人或家庭债务的私营公司或个人，包括催债律师或律师事务所。债务催收人可以：

拥有债务所有权（从债权人处购买）并自行催收；或者

受雇于债权人或其他公司以协助催收债务。）”

例句：

Mini-Miranda prevents a debt collector from using false pretenses in furtherance of collecting a debt. For instance, a heavily indebted person may use a fictitious name when answering the phone to avoid calls from collection agencies. While an easy solution for a debt collector would be to not reveal their true identity and the purpose of the call so as to get through to the indebted person, the Mini-Miranda specifically prohibits the use of such tactics.

迷你米兰达警告可以防止债务催收人通过冒充诈骗催收债务。比如，有一个人负债累累，为了不接听债务催收机构的电话可能会使用假名。虽然债务催收人可以在不暴露其真实身份和意图的情况下打通债务人的电话，但是迷你米兰达警告明确禁止使用这种手段催收债务。

来源：

Investopedia；

https://www.consumer-action.org/helpdesk/articles/mini_miranda_disclosure；

https://www.nyc.gov/assets/dca/downloads/pdf/consumers/Glossary-CommonDebtCollectionTerms-English-SimplifiedChinese.pdf