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In May 2019, the Bureau issued a Notice of Proposed Rulemaking (NPRM), 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 (FDCPA).  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; the conduct of debt collectors remains a top source of complaints to the Bureau.  The Bureau expects to take final action in October 2020 with regard to the May 2019 NPRM.  The Bureau has also engaged in testing of time-barred debt disclosures that were not addressed in the May 2019 proposal.  In February 2020, after completing the testing, the Bureau issued a supplemental NPRM related to time-barred debt disclosures.