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CFPB RIN: 3170-AA41 Publication ID: Fall 2019 
Title: Debt Collection Rule 

The Bureau issued a Notice of Proposed Rulemaking in May 2019, which would prescribe rules under Regulation F to govern the activities of debt collectors, as that term is defined under the Fair Debt Collection Practices Act. The Bureau's proposal would, among other things, address communications in connection with debt collection; interpret and apply prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection; and clarify requirements for certain consumer-facing debt collection disclosures. The proposal builds on the Bureau’s research and pre-rulemaking activities regarding the debt collection market, which remains a top source of complaints to the Bureau. The Bureau also is engaged in testing of consumer disclosures related to time-barred debt disclosures that were not addressed in the May 2019 proposal. After testing, the Bureau will assess whether to publish a supplemental Notice of Proposed Rulemaking related to time-barred debt disclosures.

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: Undetermined 
EO 13771 Designation: Independent agency 
CFR Citation: 12 CFR 1006   
Legal Authority: 15 U.S.C. 1692l(d)   
Legal Deadline:  None
Action Date FR Cite
ANPRM  11/12/2013  78 FR 67847   
ANPRM Comment Period Extended  01/14/2014  79 FR 2384   
ANPRM Comment Period End  02/10/2014 
ANPRM Comment Period Extended End  02/28/2014 
Pre-Rule Activity  07/28/2016 
NPRM  05/21/2019  84 FR 23274   
NPRM Comment Period Extended  08/02/2019  84 FR 37806   
NPRM Comment Period End  08/19/2019 
NPRM Comment Period Extended End  09/18/2019 
Other  01/00/2020 
Regulatory Flexibility Analysis Required: Yes  Government Levels Affected: Undetermined 
Small Entities Affected: Businesses  Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL:  
RIN Data Printed in the FR: Yes 
Agency Contact:
Kristin McPartland
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700