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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