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Effective Date: Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt


Consumer Financial Protection Bureau.


Advisory opinion.


The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to affirm that the Fair Debt Collection Practices Act (FDCPA) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt. Accordingly, an FDCPA debt collector who brings or threatens to bring a State court foreclosure action to collect a time-barred mortgage debt may violate the FDCPA and Regulation F.


This advisory opinion is effective on May 1, 2023.

  • May 1, 2023
  • Time: All Day