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In 2021, the Consumer Financial Protection Bureau (CFPB) issued Regulation F, which updated how the FDCPA is applied in today’s world — including email, texts, and voicemails. Here’s what you need to know.
Collectors can’t bombard you with endless calls. Under Reg F’s 7-in-7 rule, a collector cannot call you more than 7 times in 7 days about a debt.
Collectors can now reach out digitally — but there are rules. They must:
Clearly identify themselves
Provide a way for you to opt out
Avoid contacting you publicly on social media
Reg F requires collectors to send a new, standardized validation notice that explains in plain language:
Who they are
What the debt is
How you can dispute it
Reg F prohibits collectors from threatening lawsuits on debts that are too old to be legally enforced. This prevents scare tactics.
Reg F gives you more say over how a collector communicates with you. You can tell them to stop emails, limit phone calls, or restrict contact methods.
Regulation F modernizes debt collection rules for the digital age. It builds on the FDCPA, giving you stronger protections and more control over how collectors reach you.