Regulation F Archives

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November 7, 2024 by Debra Ciskey in CFPB

Rulemaking by Advisory Opinion: Like Making Turducken without a Recipe, Part 2

In Part one, we examined three of the requirements the CFPB’s Advisory Opinion on the Deceptive and Unfair Collection of Medical Debt imposed on debt collectors. Since that article was published,...

Krasimira Nevenova / AdobeStock

October 25, 2024 by Debra Ciskey in CFPB

Rulemaking by Advisory Opinion: Like making turducken without a recipe

For anyone uninitiated to turducken, let me explain that this is a dish created by renowned chef Paul Prudomme. It consists of a deboned chicken stuffed into a deboned duck,...

ra2 studio / Adobestock

April 23, 2024 by John Rossman in CFPB

Forget About It: FDCPA Class Action Asserting Emails Sent at Inconvenient Time Will Fail

Consumer attorneys are filing new class action lawsuits asserting that debt collector emails are being sent before 8 a.m. or after 9 p.m. in violation of the FDCPA. While debt...

December 19, 2022 by Joann Needleman in CFPB

Looking Back on 2022: A Dynamic Year for the ARM Industry

Many adjectives can describe this year for the ARM Industry. Dynamic may be the most appropriate given the full implementation of Regulation F and the over-expanding authority of the Consumer...

September 29, 2022 by Kelly Knepper-Stephens in 7 in 7

Debunked! Four Compliance Myths and Misconceptions for Collections

Trying to keep up with regulations in debt collection can feel overwhelming especially with new cases and federal guidance coming out regularly interpreting the law and states actively amending or...

August 9, 2022 by Erin Kerr in Collection Strategy

Debunking Three Compliance Myths Regarding Texting in Collections & Recovery

Are lenders being too cautious when it comes to using texting / SMS for debt collection? Several third-party agencies with deep SMS experience say yes.Texting with consumers who are dealing...

August 2, 2022 by Missy Meggison in Calling

CFPB Releases Reg F Guidance

On July 27, 2022, the Consumer Financial Protection Bureau (CFPB) provided additional Reg F guidance as a series of Frequently Asked Questions (FAQs) sorted by topic. The FAQs cover the...

June 15, 2022 by Missy Meggison in Collection Strategy

Washington Court Sides with Hunstein Copycat; Rejects Main Industry Defenses

Last week a federal judge in the Eastern District of Washington allowed Hunstein copycat case to continue and rejected the primary Hunstein defenses we've seen thus far from the ARM industry. Jackin v. Enhanced...

April 19, 2022 by Jesse Bird in Collection Technology

Why ARM Companies Must Operationalize Reg F Compliance Now

It’s impossible to manually manage call compliance.Even before Regulation F, companies in recovery and collections had to contend with layers upon layers of call compliance rules, including permissible times as...

April 7, 2022 by Erin Kerr in Collection Strategy

3 Compliance Myths about Email for Digital Debt Collections/Recovery

More companies in collections / recovery should be using email as a key consumer communication channel. The reasons are clear. 50% of consumers prefer to receive communication from brands via...

Regulation F