12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation F)

Regulation F implements the Fair Debt Collection Practices Act (FDCPA), prescribing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.

This version is not the current regulation.

You are viewing a previous version of this regulation with amendments that went into effect on May 3, 2021.

The debt to be collected includes:

Consumer Credit
Open-end credit
Closed-end credit

The regulation covers topics such as:

Communications in connection with debt collection
Prohibitions on certain conduct in connection with debt collection
Validation information
Time-barred debts
Debt disputes
State exemption programs
Record retention

Additional resources

Consumer FAQs

Debt Collection

Other resources

Debt Collection Compliance Resources

User notice

The Bureau launched this resource to provide an easier-to-navigate electronic format for many of its regulations. This resource is not an official legal edition of the Code of Federal Regulations or the Federal Register, and it does not replace the official versions of those publications. The Bureau has made every effort to ensure the material presented in this resource is accurate; if you are relying on it for legal research, please consult the official editions of those sources to confirm your findings.