12 C.F.R. § 1006.1

Authority, purpose, and coverage

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(a) Authority. This part, known as Regulation F, is issued by the Bureau of Consumer Financial Protection pursuant to sections 814(d) and 817 of the Fair Debt Collection Practices Act (FDCPA or Act), 15 U.S.C. 1692l(d), 1692o; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), 12 U.S.C. 5481 et seq.; and paragraph (b)(1) of section 104 of the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. 7004.

(b) Purpose. This part carries out the purposes of the FDCPA, which include eliminating abusive debt collection practices by debt collectors, ensuring that debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and promoting consistent State action to protect consumers against debt collection abuses. This part also prescribes requirements to ensure that certain features of debt collection are disclosed fully, accurately, and effectively to consumers in a manner that permits consumers to understand the costs, benefits, and risks associated with debt collection, in light of the facts and circumstances. Finally, this part imposes record retention requirements to enable the Bureau to administer and carry out the purposes of the FDCPA, the Dodd-Frank Act, and this part, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.

(c) Coverage. (1) Except as provided in § 1006.108 and appendix A of this part regarding applications for State exemptions from the FDCPA, this part applies to debt collectors, as defined in § 1006.2(i), other than a person excluded from coverage by section 1029(a) of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Act (12 U.S.C. 5519(a)).

(2) Section 1006.34(c)(2)(iii) and (c)(3)(iv) applies to debt collectors only when they are collecting debt related to a consumer financial product or service as defined in § 1006.2(f).

[85 FR 76887, Nov. 30, 2020, as amended at 86 FR 5853, Jan. 19, 2021]

Notes of Decisions

Cited in 6 cases (5 in the last 5 years), 2015–2025 · leading case: Pamela Gillie v. Law Off. of Eric A. Jones, 785 F.3d 1091 (6th Cir. 2015).

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Pamela Gillie v. Law Off. of Eric A. Jones, 785 F.3d 1091 (6th Cir. 2015). · cites it 2× “See 12 C.F.R. § 1006.1 (“This subpart establishes procedures and criteria whereby states may apply to the Bureau for exemption of a class of debt collection practices with the applying state from the provisions of the [FDCPA].”

Green v. Forster & Garbus, LLP, 2025 NY Slip Op 02324 (N.Y. App. Div. 2025). · cites it 2× “, 559 US 573, 577, citing 15 USC § 1692[e]; see 12 CFR 1006.1[b]). The FDCPA prohibits debt collectors from engaging in certain practices, such as "mak[ing] false, deceptive, or misleading representations in connection with a debt" ( Obduskey v McCarthy & Holthus LLP , 586 US…”

Hanover v. Real Time Resolutions, Inc. (S.D. Ohio 2024). “” 12 C.F.R. § 1006.1 (b). Thus, the regulations forbids a debt collector from brining or threatening “to bring a legal action against a consumer to collect a time- barred debt.”

Ray Caprio, Etc. v. Mercantile Adjustment Bureau, LLC (N.J. Super. Ct. App. Div. 2024). “" 12 C.F.R. § 1006.1 . Regulation F recognizes that under the FDCPA, a "debt collector must provide a consumer with .”

Aiello v. Rent Recovery Solutions, LLC (E.D. Cal. 2025). “” 12 C.F.R. § 1006.1 . 25 3 See Reichert, 531 F.”

Baldi (E.D. Cal. 2025). “2023); see 12 C.F.R. § 1006.1 (b) (noting that Regulation F “carries out the purposes of the FDCPA”).”

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