CFPB Debt Collection Rule Resource Guide

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  • Advisory opinions. Any act done or omitted in good faith in conformity with any advisory opinion issued by the Bureau, including advisory opinions referenced in this appendix, provides the protection afforded under section 813(e) of the Act. The Bureau will amend this
    appendix periodically to incorporate references to advisory opinions that the Bureau issues.
  • Requests for issuance of advisory opinions. A request for an advisory opinion may be submitted in accordance with the instructions regarding submission and content of requests
    applicable to any relevant advisory opinion program that the Bureau offers. Requests for advisory opinions will be reviewed consistent with the process outlined in any such program, and any resulting advisory opinions will be published in the Federal Register and on
  • Bureau-issued advisory opinions. The Bureau has issued the following advisory opinions:
    • a. Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules under the Real Estate Settlement
      Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z), 81 FR 71977 (Oct. 19, 2016).

[For more perspective on the issuance of advisory opinions, provided by Patrick Newman of Bassford Remele, please click here.]

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