CFPB

The Seventh Circuit invited the CFPB to present an amicus brief in Preston v. Midland Credit Management. The issue presented deals with the fact that the FDCPA prohibits debt collectors from “using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.” 15 U.S.C. § 1692f(8).

CFPB Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act, 87 Fed. Reg. 3025 (Jan.

CFPB Bulletin 2021-03: Consumer Reporting of Rental Information, 86 Fed. Reg.

FDCPA section 1692f(1) prohibits debt collectors from collecting any amount (including any interest, fee, charge, or expense incidental to the principal obligation), unless that amount is expressly authorized by the agreement creating the debt or permitted by law. The CFPB issues this advisory opinion, at 87 Fed. Reg.

This CFPB compliance aid provides questions and answers pertaining to compliance with the Debt Collection Rule concerning limited content messages and telephone call frequency, including  telephone call frequency presumptions, rebutting those presumptions and excluded calls from the telephone call frequency provision.

This CFPB compliance aid provides detailed instructions concerning debt collector disclosure of validation information that must be provided to a consumer in conjunction with or shortly after the first debt collector communication with the consumer.

The CFPB is issuing this compliance bulletin and policy guidance to remind debt collectors of their obligation to comply with the FDCPA’s  prohibition on false, deceptive, or misleading representations or means in connection with the collection of any debt and unfair or unconscionable means to collect or attempt to collect any debt, and to remind consumer reporting agencies and information furnishers to comply with the Fair Credit Reporting Act’s accuracy and dispute resolution requ

This 2018 amicus brief prepared by the CFPB deals with the FDCPA’s statute of limitations, arguing that the limitations period runs separately for each discrete FDCPA violation. In this case, each communication violating the Act should be considered a discrete violation.

This Federal Register notice, 86 Fed. Reg. 48918 (Sept. 1, 2021) withdraws the delay of Regulation F’s effective date. In 2020, the CFPB finalized two rules revising Regulation F, which implements the FDCPA. As finalized, the Debt Collection Final Rules had an effective date of November 30, 2021. On April 7, 2021, the CFPB issued a proposal to delay that effective date by sixty days, until January 29, 2022. The CFPB, by this notice, is withdrawing that proposal for reasons described in the notice.

This 2018 amicus brief prepared by the CFPB and the Solicitor General deals with the question whether attorneys whose principal business is the conduct of home foreclosures are covered by the FDCPA. The brief argues that enforcement of a security interest through a nonjudicial foreclosure generally is not debt collection under the FDCPA and that any enforcement of a security interest, without more, generally is not debt collection under the FDCPA.