Fair Debt Collection Practices (Regulation F)

Debt collectors are prohibited from engaging in abusive, deceptive, or unfair practices when collecting consumer debts. Collectors must send validation notices within five days of initial communication, identifying the debt amount, creditor name, and consumer rights.

Collectors may not call at unusual or inconvenient times, use threats of violence, publish lists of debtors, or communicate with third parties about debts except in limited circumstances. Consumers may request in writing that collectors cease communication.