Debt Collection Rulemaking

The CFPB continues to move closer to issuing a comprehensive rule to regulate the debt collection industry, an action widely expected to mark the most significant legal change to how debt collection is conducted in the United States since enactment of the Fair Debt Collection Practices Act in 1977.

In November 2013, the CFPB took the first step toward considering rules for the debt collection market by issuing an Advance Notice of Proposed Rulemaking to collect information on the credit and collection industry.  In August 2016, the CFPB convened an advocacy review panel under the Small Business Regulatory Enforcement Fairness Act to obtain feedback from small business representatives on its outline of third-party debt collection proposals under consideration.  With the SBREFA process concluded, the CFPB is now poised to issue a Proposed Rule to cover third-party debt collection.

Throughout the debt collection rulemaking process, ACA is actively engaged with the CFPB, working hard to ensure that the agency has an accurate and fair understanding of how its proposed policy changes will impact the collection industry.

2019 Proposed Debt Collection Rulemaking

ANPRM Materials


SBREFA Materials


Debt Collection Consumer Survey Materials


Other Debt Collection Research Materials





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