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Debt Collection Practices (Regulation F)

This rule amends Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing certain activities of debt collectors, as that term is defined in the FDCPA. The final rule, among other things, clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer’s debt to a consumer reporting agency.

View debt collection compilation page

View debt collection implementation page

Final rule

Read it in the Federal Register

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Table of contents

Model validation notice

Technical correction

View pdf

Proposed rules

Proposed rule with request for public comment – May 2019

Supplemental proposal on time-barred debt – Feb 2020

Consumer testing

CFPB Usability Testing Report: Model Validation Notice – Nov 2020