Tell CFPB: Protect Consumers,
Not Abusive Debt Collectors:
New Extended Deadline: 18 September
The Consumer Financial Protection Bureau has proposed a debt collection rule that does more to protect abusive collectors than consumers!
The proposed rule permits too many collection calls; allows texts, emails, and direct messages without permission; and could greenlight misrepresentations by collection attorneys and collection of debts so old that records of who owes the debt and for how much may be lost.
Take action today! Tell the CFPB to strengthen the rule to protect consumers from harassment, abuse, and deception at the hands of debt collectors, including collection attorneys, and to ensure that consumers receive important information about their rights.
Original comments that describe your experiences with debt collectors are the most helpful. The comment does not need to be long–even a couple of paragraphs help!
Extended Date: Comments are due September 18, 2019
Take Action Today!
Urge the CFPB to finalize a strong debt collection rule that:
- Limits collectors to one conversation and three attempts per week, per consumer;
- Requires consent before contacting consumers via email, text, or direct message; allows opt-out via any convenient method; and does not require clicking a hyperlink to receive information about the debt and your rights;
- Does not protect attorneys who make false, deceptive or misleading statements, and requires them to review original account-level documents to determine they are filing a lawsuit against the right person, for the right amount, and that their client has the legal authority to do so.
- Bans collection of time-barred debt in and out of court because these debts are so old that records are lost, the collector may have the wrong information, and the debt cannot be collected without mistakes or deception.
See our summary of the proposed rule for additional recommendations to strengthen the rule, including the new model validation notice, to protect consumers.
Watch this how-to video and follow the instructions in this roadmap to submit a unique and impactful comment.
Be sure to include Docket No. CFPB-2019-002Email Directly to
2019-NPRM-DebtCollection@cfpb.gov via our convenient portal
Submit comments to Regulations.gov via our convenient portal
By mail to Comment Intake-CFPB, 1700 G Street, NW, Washington, DC 20552
Not Abusive Debt Collectors:
New Extended Deadline: 18 September
The Consumer Financial Protection Bureau has proposed a debt collection rule that does more to protect abusive collectors than consumers!
The proposed rule permits too many collection calls; allows texts, emails, and direct messages without permission; and could greenlight misrepresentations by collection attorneys and collection of debts so old that records of who owes the debt and for how much may be lost.
Take action today! Tell the CFPB to strengthen the rule to protect consumers from harassment, abuse, and deception at the hands of debt collectors, including collection attorneys, and to ensure that consumers receive important information about their rights.
Original comments that describe your experiences with debt collectors are the most helpful. The comment does not need to be long–even a couple of paragraphs help!
Extended Date: Comments are due September 18, 2019
Take Action Today!
Urge the CFPB to finalize a strong debt collection rule that:
- Limits collectors to one conversation and three attempts per week, per consumer;
- Requires consent before contacting consumers via email, text, or direct message; allows opt-out via any convenient method; and does not require clicking a hyperlink to receive information about the debt and your rights;
- Does not protect attorneys who make false, deceptive or misleading statements, and requires them to review original account-level documents to determine they are filing a lawsuit against the right person, for the right amount, and that their client has the legal authority to do so.
- Bans collection of time-barred debt in and out of court because these debts are so old that records are lost, the collector may have the wrong information, and the debt cannot be collected without mistakes or deception.
See our summary of the proposed rule for additional recommendations to strengthen the rule, including the new model validation notice, to protect consumers.
Watch this how-to video and follow the instructions in this roadmap to submit a unique and impactful comment.
Be sure to include Docket No. CFPB-2019-002Email Directly to
2019-NPRM-DebtCollection@cfpb.gov via our convenient portal
Submit comments to Regulations.gov via our convenient portal
By mail to Comment Intake-CFPB, 1700 G Street, NW, Washington, DC 20552
| cfpb-debt-collection-rule-summary-2019.pdf |
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