This repository contains native design files for Model Form B-1 in appendix B to Regulation F as finalized in the December 2020 Debt Collection Rule. This model form is referred to as the model validation notice.
On December 18, 2020, the Bureau issued amendments to Regulation F, 12 CFR part 1006 (December 2020 Rule), which implements the Fair Debt Collection Practices Act (FDCPA). Regulation F prescribes Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The December 2020 Rule, among other things, clarifies the information that debt collectors must provide to a consumer at the outset of debt collection communications and provides a model validation notice containing such information. Model Form B-1 in appendix B is the model validation notice that debt collectors may use to comply with the information and form requirements of § 1006.34(c) and (d)(1).
The December 2020 Rule, including use of Model Form B-1, is effective November 31, 2021.
Read more about the rule in our press release and at consumerfinance.gov.
The Bureau is providing the native design files of the model validation notice to facilitate compliance with the December 2020 Rule.
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We welcome your contributions if any of the design templates we’ve provided aren’t working for you in any way. The best way to do this is to file an issue in this repository’s issue tracker.
N.B.: Due to the nature of what this repository provides, we are unlikely to accept suggestions or pull requests that significantly alter the format or content of what is provided.
The native design files in this repository are provided for the convenience of the debt collection industry and to help reduce development costs. They are not substitutes for otherwise following the requirements of the rule, and financial institutions must make sure that all disclosures, regardless of whether they use these design files or not, comply with the specific requirements of the Debt Collection Rule, available at https://www.consumerfinance.gov/rules-policy/debt-collection-practices-regulation-f-compilation/.