Oct 1, 2021 · The questions and answers below pertain to compliance with the Debt Collection Rule. This is a Compliance Aid issued by the Consumer Financial Protection Bureau.

Oct 30, 2025 · Understand how debt collection works, what your rights are, common issues with debt collection, and how to work with debt collectors.

Except as provided in paragraph (b) (4) of this section, a debt collector must not communicate or attempt to communicate with a consumer in connection with the collection of any debt:

Jun 26, 2025 · The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or …

The 2021 IFR provides sample language that debt collectors may use to comply with this disclosure requirement. This document reprints that sample language for ease of reference.

Mar 12, 2025 · Debt Collection model forms and samples Download English and translated versions of Debt Collection Rule model form. Editable versions of the forms are provided on the Bureau’s Debt …

In connection with the collection of a debt, a debt collector must not use obscene or profane language, or language the natural consequence of which is to abuse the hearer or reader.

Use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer; a debt collector may use its business name if such name does not …

Oct 18, 2021 · The Bureau provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with the Debt Collection Rule. Browse all FAQ topics

Jan 29, 2024 · What information is required to be in the validation notice from a debt collector about my debt? The information helps you recognize whether the debt is yours and, if not, how to dispute it.