Home / Agencies / CFPB / 2023-09171
Final Rule

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

Agency
CFPB
Document Number
2023-09171
Published
May 1, 2023
Effective Date
May 1, 2023

Abstract

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.

Federal Register Source

This document is published by the Office of the Federal Register, National Archives and Records Administration. Access the full regulatory text, preamble, and docket comments below.

View Full Text on FederalRegister.gov →

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Frequently Asked Questions

What is the 2023-09171 Federal Register document?
Document 2023-09171 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on May 1, 2023, with an effective date of May 1, 2023. 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. View the original at https://www.federalregister.gov/documents/2023/05/01/2023-09171/fair-debt-collection-practices-act-regulation-f-time-barred-debt.
Is document 2023-09171 an economically significant rule?
No. Document 2023-09171 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.

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