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Regulation F Deconstructed

A Guide to Implementing Reg F Using TCN

Regulation F has helped clarify rules for collection agencies and how debt collectors communicate with debtors. The regulations created the need for agencies to make changes to when they contact debtors, how they retain compliance records, and their communication via email and text messaging.

 Regulation F’s Clarifications and Implementation


Goes into effect on November 30, 2021

Who it’s for

Reg F applies to collection agencies, debt buyers, law firms, and other loan servicers

Avoid excess contacting

Prohibits debt collectors from engaging in harassment, abuse, and unfair practices

Consumer preferences

Outlines rules on when and how often to contact a consumer

What is Regulation F?

In November 2020, the Consumer Financial Protection Bureau (CFPB) published Regulation F to clarify and implement the FDCPA — going into effect later this year. Regulation F provides clarification on specific rules for contacting consumers, retaining compliance records, and managing consent.

Among other actions, like providing a model validation notice and stances on out-of-stat debt, Regulation F clarifies and lays down rules for certain communications made by debt collectors – including telephone calls, e-mails, and text messages.

Reg F Deadline

November 30, 2021

Current Reg F Challenges

Managing 7×7 call attempts and other channel communications (Email, SMS)

Handling data from disparate data sources

Consent management

Consumer preferences

These Reg F challenges can make it hard to know if your organization is up-to-date with all of the new compliance regulations. TCN has the solutions to help your organization tackle all of the new Regulation F rulings, and more.

Check out the CFPB’s latest rules and updates

Use TCN to Build Compliance Rules and Manage Regulation F

Appropriately Use Limited Content Messages

Help agents deliver effective and compliant limited content messages.

Required Information

To qualify as a limited-content message, a voicemail must include:

  • A business name for the debt collector that does not indicate the debt collector is in the debt collection business;
  • A request that the consumer reply to the message;
  • The name(s) of natural persons whom the consumer can contact to reply to the debt collector; and
  • The telephone numbers(s) that the consumer can use to reply to the debt collector.

Optional Information

To qualify as a limited-content message, a voicemail may include:

  • A salutation;
  • The date and time of the message;
  • Suggested dates and times for the consumer to reply to the message; and
  • A statement that if the consumer replies, the consumer may speak to any of the company’s representatives.

Reassigned Numbers

Users update their numbers, you update consent

No more second-guessing if a cell phone number should be struck from your list. Access the Reassigned Number Database (RND) through TCN and avoid incorrect calls to consumers. Securely retrieve, identify, and update disconnected and toll-free numbers within the United States using the database. Keep your call center’s consent lists up to date and compliant.

Additional Regulation F Resources


Stay Ahead of Regulation F