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Reg F Question of the Week: What is the Opt-Out Notice Requirement for Electronic Communications?

FAQThe CFPB recently updated its FAQs on the Reg F debt collection rule, including information about electronic communication, opt-out notices and more. ACA will regularly feature updates on the FAQs when available from the CFPB.

01/12/2023 2:30 P.M.

1.5 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 call frequency issues, electronic communications, opt-out requirements and more.

ACA International regularly highlights the bureau’s updates to the FAQs. Read on to learn about guidelines related to opt-out requirements for electronic communication, updated July 27, 2022.

Q. What is the debt collection rule’s opt-out notice requirement for electronic communications?

A. The debt collection rule requires a debt collector to include a clear and conspicuous opt-out notice in all electronic communications and electronic attempts to communicate with a consumer in connection with the collection of a debt.

The opt-out notice must describe a reasonable and simple method by which the consumer can opt out of further electronic communications or attempts to communicate by the debt collector to the specific email address, telephone number for text messages, or other electronic-medium address to which the electronic communication or electronic attempt to communicate is sent. 12 CFR Section 1006.6(e).

The opt-out notice requirement applies if the electronic communication or attempt to communicate is sent by email, by text message, or by any other electronic medium that uses a specific electronic address. 12 CFR Section 1006.6(e).

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

Related Content from ACA International:

Reg F Question of the Week: How Long is a Consumer’s Direct Prior Consent Valid?

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

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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