Key facts
| Measure | Value | Year |
|---|---|---|
| creditor harassment reporting note[1] | The CFPB's consumer tools hub for debt collection explains a consumer's rights and how to submit a complaint about a debt collector. | 2025 |
| debt collector call time window note[2] | Under the Fair Debt Collection Practices Act, absent knowledge to the contrary a debt collector must assume the convenient time to contact a consumer is after 8 a.m. and before 9 p.m. local time at the consumer's location. | 2026 |
| debt collector false representation note[3] | The Fair Debt Collection Practices Act bars a debt collector from threatening to take any action that cannot legally be taken or that is not intended to be taken. | 2026 |
| debt collector harassment conduct note[4] | The CFPB's Regulation F bars a debt collector from any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with collecting a debt. | 2026 |
Sources
- Consumer Financial Protection Bureau. Debt collection.
- Cornell Law School Legal Information Institute. 15 U.S. Code 1692c - Communication in connection with debt collection.
- Cornell Law School Legal Information Institute. 15 U.S. Code 1692e - False or misleading representations.
- Consumer Financial Protection Bureau. 12 CFR 1006.14 - Harassing, oppressive, or abusive conduct.