Reg F Question of the Week: Can a Debt Collector Use a Prer-Recorded Voicemail to Deliver a Limited Content Message?

FAQThe CFPB recently updated its FAQs on the Reg F debt collection rule, including information about prohibitions on third-party communications and exceptions to those prohibitions. ACA will regularly feature updates on the FAQs when available from the CFPB.

12/02/2022 1:35 P.M.

1 minute read

The Consumer Financial Protection Bureau has published Debt Collection Rule FAQs for Regulation F, containing questions and answers that pertain to compliance with the rule. The FAQs cover limited-content messages and call frequency issues, and most recently featured updates on electronic communications requirements

ACA International regularly highlights the bureau’s updates to the FAQs. Read on to learn about guidelines for prerecorded and limited content messages, updated on Oct. 1, 2021.

  1. Can a debt collector use a prerecorded voicemail to deliver a limited content message?
  2. Yes. The Debt Collection Rule does not prohibit a debt collector from using a prerecorded message to leave a limited-content message. However, there are requirements in the Telephone Consumer Protection Act of 1991 (47 U.S.C. Section 227) regarding the use of prerecorded messages that a debt collector may want to review before leaving a prerecorded message.

For more information about limited-content messages, see Section 3.3.3 in the Debt Collection Small Entity Compliance Guide.

Read the CFPB’s complete debt collection rule FAQs here.

Related Content from ACA International:

Reg F Question of the Week: Are There Requirements for Electronic Communications?

Reg F Question of the Week: Prohibitions on Third-Party Communications?

Reg F Question of the Week: What are the Exceptions to Prohibitions on Third-Party Communications?

If you have executive leadership updates or other member news to share with ACA, contact our communications department at [email protected]. View our publications page for more information and our news submission guidelines here.

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