Government agency
Primary source type
Issued:
Date
2023
Description
Withdrawn by 90 Fed. Reg. 20,084 (May 12, 2025). See NCLC, Continued Vitality of 67 Withdrawn CFPB Guidance Documents (May 13, 2025) (updated May 27, 2025).
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.
