FDCPA / Regulation F

12 CFR Part 1006 (Regulation F)

Implements the Fair Debt Collection Practices Act (FDCPA), governing the conduct of debt collectors as defined by the statute — which includes mortgage servicers collecting debts that were in default at the time they were acquired. It restricts the time, place, frequency, and manner of communications with consumers, prohibits harassing, oppressive, or abusive conduct, bars false, deceptive, or misleading representations and unfair or unconscionable collection means, and prescribes debt-validation notice and record-retention requirements.