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Debt collection examination procedures

Updated Mar. 1, 2022

Download debt collection examination procedures | PDF

This update to the debt collection examination procedures incorporates the provisions of Regulation F, which interprets the Fair Debt Collection Practices Act

Summary

These procedures include guidance for examination of all aspects of debt collection.

The examination procedures contain a series of modules, grouping similar requirements together. Depending on the scope, and in conjunction with the compliance management system and consumer complaint response review procedures, each examination will cover one or more of the following modules:

  1. Entity Business Model
  2. Communications in Connection with Debt Collection
  3. Information Sharing, Privacy, and Interactions with Consumer Reporting Agencies
  4. Validation Notice, Consumer FDCPA Disputes and Complaints, and Ceasing Communication
  5. Payment Processing and Account Maintenance
  6. Equal Credit Opportunity Act
  7. Litigation Practices, Administrative Wage Garnishment and Repossession, and Time-Barred Debt