Final Rule

Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt

In Plain English

What is this Federal Register notice?

This is a final rule published in the Federal Register by Consumer Financial Protection Bureau. Final rules have completed the public comment process and establish legally binding requirements.

Is this rule final?

Yes. This rule has been finalized. It has completed the notice-and-comment process required under the Administrative Procedure Act.

Who does this apply to?

Consult the full text of this document for specific applicability provisions. The affected parties depend on the regulatory scope defined within.

When does it take effect?

No specific effective date is indicated. Check the full text for date provisions.

Why it matters: This final rule amends regulations in 12 CFR Part 1006.

Document Details

Document Number	2024-27791
Type	Final Rule
Published	Nov 29, 2024
Effective Date	-
RIN	-
Docket ID	-
Text Fetched	Yes

Agencies & CFR References

Agency Hierarchy:

Consumer Financial Protection Bureau

CFR References:

12 CFR 1006

Linked CFR Parts

Part	Name	Agency
12 CFR 1006	Debt Collection Practices (Regulation F)...	-

Paired Documents

Type	Proposed	Final	Method	Conf
No paired documents

External Links

View on FederalRegister.gov Search Regulations.gov

📋 Extracted Requirements 0 found

No extractable regulatory requirements found in this document. This is common for documents that:

Incorporate requirements by reference (IBR) to external documents
Are procedural notices without substantive obligations
Contain only preamble/explanation without regulatory text

▼ Full Document Text (284 words · ~2 min read)

Text Preserved

<RULE>
 
 
 CONSUMER FINANCIAL PROTECTION BUREAU 
 <CFR>12 CFR Part 1006</CFR>
 <SUBJECT>Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt</SUBJECT>
 
 <HD SOURCE="HED">AGENCY:</HD>
 Consumer Financial Protection Bureau. 
 
 
 <HD SOURCE="HED">ACTION:</HD>
 Advisory opinion; revision of date of applicability. 
 
 <SUM>
 <HD SOURCE="HED">SUMMARY:</HD>
 The Consumer Financial Protection Bureau (CFPB) is revising the date of applicability of the advisory opinion entitled “Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt” to January 2, 2025. 
 </SUM>
 <EFFDATE>
 <HD SOURCE="HED">DATES:</HD>
 This advisory opinion is applicable as of January 2, 2025. 
 </EFFDATE>
 <FURINF>
 <HD SOURCE="HED">FOR FURTHER INFORMATION CONTACT:</HD>
 
 George Karithanom, Regulatory Implementation & Guidance Program Analyst, Office of Regulations, at 202-435-7700 or at: 
 <E T="03">https://reginquiries.consumerfinance.gov/.</E>
 If you require this a document in an alternative electronic format, please contact 
 <E T="03">CFPB_Accessibility@cfpb.gov.</E>
 
 </FURINF>
 
 <SUPLINF>
 <HD SOURCE="HED">SUPPLEMENTARY INFORMATION:</HD>
 
 The Bureau issued the advisory opinion entitled “Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt” on its website on October 1, 2024 and published the advisory opinion in the 
 <E T="04">Federal Register</E>
 on October 4, 2024. As issued and published, the advisory opinion stated that it was to be applicable as of December 3, 2024.
 
 To allow sufficient time to brief issues raised in pending litigation in the U.S. District Court for the District of Columbia, the CFPB is revising the applicable date of the advisory opinion to January 2, 2025. The advisory opinion itself creates no binding legal obligations, and the revision of the applicable date does not affect regulated entities' responsibility to comply with the Fair Debt Collection Practices Act as enacted by Congress and described in the advisory opinion. 
 <SIG>
 <NAME>Rohit Chopra,</NAME>
 Director, Consumer Financial Protection Bureau. 
 </SIG>
 </SUPLINF>
 <FRDOC>[FR Doc. 2024-27791 Filed 11-27-24; 8:45 am]</FRDOC>
 </RULE>
						

This text is preserved for citation and comparison. View the official version for the authoritative text.

📄 PDF 🏛️ Official Version