Fair Debt Collection Practices Act | American Bankers Association

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In 2020, seven years after the initiation of rulemaking on this topic, the Bureau published two final rules to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), to prescribe federal rules governing the activities of third-party debt collectors. As stated by Director Kraninger, the new rule provided clear rights for consumers and gave consumers greater control when communicating with debt collectors.

Statutes

15 U.S.C. 1692

Rules & Regulations

Staff Analysis

CFPB Policy Statement on Abusiveness
April 24, 2023
Regulation F Potential Impacts on Mortgage Servicing Operations
December 14, 2021
Part II of Final Debt Collection Rule
January 19, 2021
Final Partial Debt Collection Rule
December 10, 2020

FDCPA Questions from the Hotline

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Agency Guidance

CFPB Advisory Opinion on Debt Collectors’ Collection of Pay-to-Pay Fees
June 29, 2022
FTC Debt Collection Reports and Releases
December 31, 2021
CFPB Debt Collection Resources for Consumers
November 30, 2021
Debt Collection Rule FAQs
October 29, 2021
Small Business Regulatory Enforcement Fairness Act (SBREFA) Outline of Proposals for FDCPA Regulations
July 28, 2016
CFPB Study of Third-Party Debt Collection Operations
July 1, 2016

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Exam Procedures

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Policy Library
News

Policy Library

Comment Letter
Letter to CFPB on the Statement of Policy Regarding Abusive Acts and Practices
June 30, 2023
Staff Analysis
CFPB Policy Statement on Abusiveness
April 24, 2023
Amicus Brief
Joint Amicus Brief on Mortgage Servicing Convenience Fees
February 24, 2022
Amicus Brief
Thomas-Lawson v. Carriage Mortgage
February 22, 2022

News

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Proposed Rules

CFPB: Request for Comments on CFPB's Guidance to Address Abusive Conduct in Consumer Financial Markets

Related Training & Events

Fair Debt Collection Practices for Compliance Professionals
Self-Paced Training
Fair Debt Collection Practices Act (FDCPA)
Self-Paced Training

Agency Materials

CFPB Bulletin 2013: Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts

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