Final rules

Advisory opinion affirming that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt.

Advisory opinion affirming that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt.

The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to affirm that the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees (also known as convenience fees) for making payment a particular way, such as by telephone or online, unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law.

The Bureau is withdrawing a proposal to delay the effective date of the Debt Collection Final Rules. The Debt Collection final rules will take effect on November 30, 2021.

This interim final rule requires debt collectors to provide written notice to certain consumers of their protections under the CDC Order’s eviction moratorium and to clarify that certain misrepresentations are prohibited.

This rule amends Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.

This rule amends Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.

Regulation X interim final rule relating to the timing for mortgage servicers to provide modified written early intervention notices.

Technical corrections amending certain provisions of the Bureau's mortgage servicing regulations under Regulation X (RESPA) and Regulation Z (TILA).

Amendments to the 2013 mortgage servicing rules issued by the Bureau related to Regulation Z (TILA) and Regulation X (RESPA).

Safe harbors from liability under FDCPA for certain actions taken related to mortgage servicing rules under Regulation X (RESPA) and Regulation Z (TILA).

This rule implements the Bureau of Consumer Financial Protection's debt collection regulations.

Amendments to the regulation defining larger participants regarding adding a new section to define larger participants for consumer debt collection.