Fair Debt Collection: 9.4.7.2 Debt Amount As of Itemization Date
Under Regulation F (effective November 30, 2021), the required disclosure of the debt amount on the itemization date231 includes any fees, interest, or other charges owed as of that date.232 Guidance provided by the CFPB explains that “the amount of the debt as of the itemization date may be the amount of the debt that is required to bring the account current as of that date or the total outstanding debt as of that date.”233