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Debt Collection Practices (Regulation F)

The Bureau of Consumer Financial Protection proposes to amend Regulation F, 12 CFR Part 1006, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe Federal rules governing the activities of debt collectors covered by the FDCPA. The proposal would, among other things, address communications in connection with debt collection; interpret and apply prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection; and clarify requirements for certain consumer-facing debt collection disclosures.

The Bureau is releasing a table of contents and other supporting materials to assist members of the public in reviewing the proposal.

Proposed rule with request for public comment

Read it in the Federal Register

View pdf

Extension of comment period

Read it in the Federal Register

View pdf

Related documents

Table of Contents for Debt Collection Proposed Rule

Fast Facts for Debt Collection Proposed Rule

Electronic Disclosure Options Flowchart for Debt Collection Proposed Rule

Proposed Model Validation Notice

Debt Collection Practices (Regulation F) Supplemental Proposal on Time-Barred Debt

Fast Facts for Supplemental Debt Collection Proposal on Time-Barred Debt

Disclosure native design files and sample code

To assist the public in commenting on the Bureau’s proposed rule, the Bureau is providing the native design files for a print version of the model validation notice and the source code for a version of the model validation notice that would comply with proposed § 1006.42(b)(4)’s responsiveness requirement.

View files on GitHub

Consumer testing reports

To provide the public additional information regarding consumer testing of proposed disclosures, the Bureau is publishing four reports summarizing consumer testing that the Bureau conducted while developing the proposed model validation notice.

FMG Summary Report

FMG Cognitive Report

FMG Focus Group Report

FMG Usability Report

Pre-proposal publications

Advance Notice of Proposed Rulemaking

Small Business Review Panel Outline

Small Business Review Panel Report and Appendices

CFPB Debt Collections Operations Study

CFPB Debt Collection Consumer Survey