CFPB Debt Collection Rule Resource Guide

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Section 1006.10 Acquistion of location information

  • (a) Definition. The term location information means a consumer’s:
    • (1) Place of abode and telephone number at such place; or
    • (2) Place of employment.
  • (b) Form and content of location communications. A debt collector communicating with a person other than the consumer for the purpose of acquiring location information must:
    • (1) Identify himself or herself individually by name, state that he or she is confirming or correcting the consumer’s location information, and, only if expressly requested, identify his or her employer;
    • (2) Not state that the consumer owes any debt;
    • (3) Not communicate by postcard;
    • (4) Not use any language or symbol on any envelope or in the contents of any communication by mail indicating that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and
    • (5) After the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond to the debt collector’s communication within a reasonable period of time.
  • (c) Frequency of location communications. In addition to complying with § 1006.14(b)(1), a debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer must not communicate more than once with such person unless requested to do so by such person, or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.

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