What US CFPB Regulation F - 12 CFR Part 1006 Fair Debt Collection Practices Act Communication, Validation Notice and Time-Barred Debt Obligations requires
Regulation F at 12 CFR Part 1006 is issued by the CFPB to implement the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692 et seq. The rule applies to debt collectors as defined in §1006.2(i), including entities collecting consumer debts owed to others and excluding most original creditors collecting their own debts. Section 1006.6 governs communications in connection with debt collection including the call-frequency presumption (no more than 7 calls within 7 consecutive days about a particular debt; no further call within 7 days after a telephone conversation about that debt). Section 1006.10 limits the content of location-information communications with third parties. Section 1006.14 prohibits harassing, oppressive, or abusive conduct including the call-frequency presumptions. Section 1006.18 prohibits false, deceptive, or misleading representations. Section 1006.22 prohibits unfair or unconscionable means including collecting amounts not authorized by the underlying contract or law. Section 1006.26 governs the collection of time-barred debts, prohibiting a legal action or threat thereof against a consumer for a time-barred debt. Section 1006.30(a) prohibits a debt collector from furnishing information about a debt to a consumer reporting agency before making contact with the consumer about the debt. Section 1006.34 requires the validation notice with prescribed content within 5 days of the initial communication. Section 1006.42 requires disclosures to be sent in a manner reasonably expected to provide actual notice. Section 1006.100 requires records evidencing compliance to be retained from the date collection activity begins until 3 years after the debt collector's last collection activity.
Pillar: Banking & Global Finance · Authority: US Consumer Financial Protection Bureau (CFPB) · Version: 1.0.0 · Last updated:
Primary source: https://www.ecfr.gov/current/title-12/chapter-X/part-1006
SHA-256 integrity: af25d6f65c7da44f7bb0f466d214e9254ebd56438c03fe0baa309d71a079b2d9
Primary Citations — 7 traced to source
- Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. - statutory basis for Regulation F
- 12 CFR Part 1006, Fair Debt Collection Practices Act (Regulation F) - CFPB implementing regulation, including §1006.2 (definitions), §1006.6 (communications in connection with collection), §1006.10 (acquisition of location information), §1006.14 (harassing, oppressive, or abusive conduct including call-frequency presumption), §1006.18 (false, deceptive, or misleading representations), §1006.22 (unfair or unconscionable means), §1006.26 (collection of time-barred debts), §1006.30 (other prohibited practices including credit reporting), §1006.34 (validation notice), §1006.38 (disputes and original-creditor information requests), §1006.42 (sending required disclosures), §1006.100 (record retention)
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