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Advisory opinion

Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt

The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to affirm 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. Accordingly, an FDCPA debt collector who brings or threatens to bring a State court foreclosure action to collect a time-barred mortgage debt may violate the FDCPA and Regulation F.

Advisory opinion

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Press release

CFPB Issues Guidance to Protect Homeowners from Illegal Collection Tactics on Zombie Mortgages