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ARTICLE · 04 AUGUST 2016

CFPB Previews Anticipated Debt Collection Regulations

Morgan Lewis
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The long-expected CFPB summary of new rule proposals for third-party debt collectors would have major implications not only for the debt collectors themselves, but also for the banks and other...

United StatesFinance and Banking
David Monteiro
David Monteiro
Charles Horn
Charles Horn
Nicholas Gess
Nicholas Gess
Melissa Hall
Melissa Hall

The long-expected CFPB summary of new rule proposals for third-party debt collectors would have major implications not only for the debt collectors themselves, but also for the banks and other financial institutions doing business with debt collectors.

On July 28, the Consumer Financial Protection Bureau (CFPB) released a detailed summary of regulations it is considering imposing on third-party debt collectors.

The CFPB's proposals serve four purposes:

  1. Providing clarifications to the Fair Debt Collection Practices Act (FDCPA)
  2. Imposing heightened substantive restrictions on debt collectors
  3. Strengthening initial written disclosures that debt collectors must provide when communicating with a consumer

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