12 C.F.R. § 1006.26
Collection of time-barred debts
(a) Definitions. For purposes of this section:
(1) Statute of limitations means the period prescribed by applicable law for bringing a legal action against the consumer to collect a debt.
(2) Time-barred debt means a debt for which the applicable statute of limitations has expired.
(b) Legal actions and threats of legal actions prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. This paragraph (b) does not apply to proofs of claim filed in connection with a bankruptcy proceeding.
Notes of Decisions
Cited in 3
cases (3 in the last 5 years), 2024–2025 · leading case: Hanover v. Real Time Resolutions, Inc. (S.D. Ohio 2024).
Hanover v. Real Time Resolutions, Inc. (S.D. Ohio 2024). “§ 1692e by failing to include language compliant with 12 C.F.R. § 1006.26 (b). (Doc. No. 1 at PageID 8.”
Raja v. Specialized Loan Servicing, LLC (E.D. Va. 2024). “§ 1692d(1) for the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property by attempting to collect amounts that were not awarded by a court or which was otherwise improper under Virginia law; and (4) violation of Regulation…”
Raja v. Specialized Loan Servicing, LLC (E.D. Va. 2025). “§ 1692d(1) for the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property by attempting to collect amounts that were not awarded by a court or which was otherwise improper under Virginia law; and (4) violation of Regulation…”
— 12 C.F.R. § 1006.26(b) — 1 case
Hanover v. Real Time Resolutions, Inc. (S.D. Ohio 2024). “§ 1692e by failing to include language compliant with 12 C.F.R. § 1006.26 (b). (Doc. No. 1 at PageID 8.”
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