Primary Sources

This is a link to a GitHub webpage that has InDesign, PDF, and Word versions of the Model Validation Notice in both English and Spanish included in Regulation F.

The Bureau of Consumer Financial Protection (Bureau) is issuing this interim final rule to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The interim final rule addresses certain debt collector conduct associated with an eviction moratorium issued by the Centers for Disease Control and Prevention (CDC) in response to the global COVID-19 pandemic.

The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA.

The CFPB issued this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Debt Collection Proposed Rule (Proposed Rule) proposes to clarify how a debt collector would provide certain required disclosures electronically. Though this document outlines and aids in understanding the Proposed Rule, it is not, itself, a proposed rule. All citations in this document are to sections of the Proposed Rule. For more information on the Proposed Rule, including a “Fast Facts” summary of the proposal, please visit:http://www.consumerfinance.gov/policy-compliance/guidance/implementation-guidance/.

Table of Contents for Debt Collection (Regulation F) NPRM

May 7, 2019 proposal to amend Regulation F to prescribe Federal rules governing the activities of debt collectors covered by the FDCPA

On May 7, 2019, the Bureau issued a proposal (the May 2019 Proposed Rule) to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA). The May 2019 Proposed Rule was published in the Federal Register on May 21, 2019 and would prescribe federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The supplemental proposal on time-barred debt supplements the May 2019 Proposed Rule by adding a proposed §1006.26(c), as well as a related provision of §1006.34(c), Model Forms, and Official Interpretations.

The Bureau of Consumer Financial Protection (Bureau) proposes to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. On May 21, 2019, the Bureau published in the Federal Register a proposed rule (May 2019 Proposed Rule) that would prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA.

On October 30, 2020, the Consumer Financial Protection Bureau (Bureau) issued a final rule (Debt Collection Rule or Rule) implementing the Fair Debt Collection Practices Act (FDCPA). 1 The Debt Collection Rule is available at https://www.consumerfinance.gov/rules-policy/final- rules/debt-collection-practices-regulation-f/. The Debt Collection Rule will become effective one year after publication in the Federal Register.