Tag Archives: 1006.34

A class-action lawsuit has been filed in federal court in Nevada, accusing a pair of companies of violating the Fair Debt Collection Practices Act by allegedly sending an initial notification to the plaintiff without including all of the required validation information required under Regulation F. The notification was sent in …

A plaintiff has filed a lawsuit in Texas against a collection agency, alleging it violated the Fair Debt Collection Practices Act and Regulation F because it sent a collection letter that failed to include an itemization date while also allegedly including contradictory information as to whether interest on the underlying …

America is a melting pot of cultures and backgrounds. And that means that a lot of the people living here in the United States came from places where English wasn’t the primary language that was spoken. Take me, for instance. Being Canadian, it took a lot for me to learn …

For all of the excitement and possibility that surrounds the area of collectors communicating electronically with consumers via email, text messaging, and other digital channels, one of the areas that collectors tend to shy away from is sending the initial validation notice through such channels. But the Consumer Financial Protection …

In the latest episode of “You Wanted a Rule, You Got a Rule,” John Bedard of Bedard Law Group finishes walking through his analysis and breakdown of the eight optional disclosures that collectors are allowed to include on their copies of the Model Validation Notice and still enjoy the safe …

The Consumer Financial Protection Bureau this week quietly released a new update to Regulation F, one that many in the industry had been anxiously awaiting as the countdown to November 30 gets smaller and smaller. The CFPB released a Spanish-language translation of its Model Validation Notice, which collectors can choose …

When it issued Regulation F, the Consumer Financial Protection Bureau did not just issue a set of rules that debt collectors absolutely needed to follow. While much of what is included in Regulation F sets forth requirements that are mandatory, the CFPB also gave collectors some latitude to put their …

“Substantially similar.” It’s a phrase that any plaintiff’s attorney is going to fall in love with once the calendar hits November 30 and Regulation F goes into effect. For the purposes of this article, we’re using “substantially similar” with respect to making changes to Regulation F’s Model Validation Notice while …

One of the most common questions that has been asked about collectors using the Model Validation Notice put forth by the Consumer Financial Protection Bureau in Regulation F is, “Can we make any changes to it?” Collectors have asked about adding additional pieces of information, disclosures, or making other changes …

With every rule, there is always an exception and the Consumer Financial Protection Bureau’s debt collection rule, known officially as Regulation F, is no different. When it comes to everything that John Bedard of Bedard Law Group has been talking about recently in episodes of “You Wanted a Rule, You …