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1.1.1.6 How Sections in This Treatise Correspond to Regulation F

The Consumer Financial Protection Bureau has now, effective November 30, 2021, enacted Regulation F, interpreting the FDCPA.1 The Regulation is reproduced at Appx. B.1.2, infra. While certain regulation provisions track the statutory language, other provisions and the Regulation’s Official Interpretations provide new FDCPA interpretations.

The table below indicates subsections of this treatise that examine specific Regulation F provisions. The table also displays, where applicable, the corresponding FDCPA provision and the corresponding United State Code provision of the FDCPA.

Reg. F Section Treatise Section Public Law Section U.S.C. Section
§ 1006.1(a), Authority § 3.4.4 § 814(d) § 1692l(d)
§ 1006.1(b), Purpose § 3.1 § 802 § 1692
§ 1006.1(c), Coverage § 4.8.12 § 803(6) § 1692a(6)
§ 1006.2, Definitions Ch. 4 § 803 § 1692a
§ 1006.2(b), Attempt to communicate § 4.2 n/a n/a
§ 1006.2(d) Communicate or communication § 4.2 § 803(2) § 1692a(2)
§ 1006.2(j) Limited-content message § 4.9 n/a n/a
§ 1006.6, Communications in connection with debt collection §§ 5.3 to 5.9 § 805 § 1692c
§ 1006.6(a), Definition (including deceased consumer) § 5.3.1 § 805(d) § 1692c(d)
§ 1006.6(b)(1), Prohibitions regarding unusual or inconvenient times or places. § 5.4 § 805(a)(1) § 1692c(a)(1)
§ 1006.6(b)(2), Prohibitions regarding consumer represented by an attorney. § 5.5 § 805(a)(2) § 1692c(a)(2)
§ 1006.6(b)(3), Prohibitions regarding consumer’s place of employment § 5.6 § 805(a)(3) § 1692c(a)(3)
§ 1006(c), Communications with a consumer—after refusal to pay or cease communication notice § 5.8 § 805(c) § 1692c(c)
§ 1006.6(d), Communications with third parties— § 5.7 § 805(b) § 1692c(b)
§ 1006.6(e), Opt-out notice for electronic communications or attempts to communicate § 5.9 n/a n/a
§ 1006.9, Debt collection practices in connection with the global COVID-19 pandemic § 7.4.12.2 n/a n/a
§ 1006.10, Acquisition of location information § 5.2 § 804 § 1692b
§ 1006.14, Harassing, oppressive, or abusive conduct Ch. 6 § 806 § 1692d
§ 1006.14(b), Repeated or continuous telephone calls or telephone conversations § 6.7.2 § 806(5) § 1692d(5)
§ 1006.14(h), Prohibited communication media § 6.9 n/a n/a
§ 1006.18, False, deceptive, or misleading representations or means Ch. 7 § 807 § 1692e
§ 1006.18(d), Social media § 7.4.2 n/a n/a
§ 1006.18(e), Disclosures required § 7.2.11 § 807(11) § 1692e(11)
§ 1006.18(f), Assumed names § 7.2.14 § 807(14) § 1692e(14)
§ 1006.22, Unfair or unconscionable means Ch. 8 § 808 § 1692f
§ 1006.22(f)(3), Restrictions on use of certain media (emails sent to employer email addresses) § 8.10 n/a n/a
§ 1006.22(f)(4), Restrictions on use of certain media (social media) § 8.11 n/a n/a
§ 1006.22(g), Safe harbor for certain emails and text messages relating to the collection of a debt § 8.9 n/a n/a
§ 1006.26, Collection of time-barred debts § 7.4.9 n/a n/a
§ 1006.30(a), Required actions prior to furnishing information § 8.12 n/a n/a
§ 1006.30(b), Prohibition on the sale, transfer for consideration, or placement for collection of certain debts § 8.13 n/a n/a
§ 1006.30(c), Multiple debts § 10.2 § 810 § 1692h
§ 1006.30(d), Legal actions by debt collectors § 10.3 § 811 § 1692i
§ 1006.30(e), Furnishing certain deceptive forms § 10.4 § 812 § 1692j
§ 1006.34, Notice for validation of debts Ch. 9 § 809 § 1692g
§ 1006.34(a)(3), Itemization date § 9.4.2 n/a n/a
§ 1006.34(c), Validation information § 9.4 § 809(a) § 1692g(a)
§ 1006.34(d)(2), Safe harbor § 9.5.2 n/a n/a
§ 1006.34(d)(3), Optional disclosures § 9.6 § 809(a) § 1692g(a)
§ 1006.34(d)(4), Validation notices delivered electronically. § 9.5.3 n/a n/a
§ 1006.34(e), Translation into other languages § 9.5.4 n/a n/a
§ 1006.38, Disputes and requests for original-creditor information §§ 9.10, 9.11 § 809(b) § 1692g(b)
§ 1006.42, Sending required disclosures § 9.3 n/a n/a
§ 1006.100, Record retention § 11.5.4.3 n/a n/a
§ 1006.104, Relation to State laws § 11.16.1 § 816 § 1692n
§ 1006.108, Exemption for State regulation § 3.4.4 § 817 § 1692o
Appendix A to Part 1006—Procedures for State Application for Exemption from the Provisions of the Act § 3.4.4 § 817 § 1692o
Appendix B to Part 1006—Model Forms.
B–1 Model Form for Validation Notice
§ 9.5.2 n/a n/a
Appendix C to Part 1006—Issuance of Advisory Opinions § 3.4.4.3 § 813(e) § 1692k(e)

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