source:
  type: regulation
  id: reg-f-1006.100
  authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention
  description: '12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB), §1006.100 Record retention.
    Captured section-complete (all subsections verbatim).

    '
obligations:
- id: reg-f-1006.100-a
  canonical_id: reg-f-1006.100-a
  section: 12 CFR §1006.100(a)
  description: 'Record retention — (a): (a) In general. Except as provided in paragraph (b) of this section, a debt
    collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part
    starting on the date that the debt collector begins collection activity on a debt until three years after the
    debt c…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1006
    snapshot_id: c67bbdd9529cfe8e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:dd83be4e4e18d82346d4e1f7217494f51deed4a4442584c52591a6f5b499439f
    paragraph_quote: (a) In general. Except as provided in paragraph (b) of this section, a debt collector must
      retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the
      date that the debt collector begins collection activity on a debt until three years after the debt collector's
      last collection activity on the debt.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1006.100 subsection (a) from snapshot c67bbdd9529cfe8e;
      substring-verified.
  judgment: false
- id: reg-f-1006.100-b
  canonical_id: reg-f-1006.100-b
  section: 12 CFR §1006.100(b)
  description: 'Record retention — (b): (b) Special rule for telephone call recordings. If a debt collector records
    telephone calls made in connection with the collection of a debt, the debt collector must retain the recording
    of each such telephone call for three years after the date of the call.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1006
    snapshot_id: c67bbdd9529cfe8e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:dd83be4e4e18d82346d4e1f7217494f51deed4a4442584c52591a6f5b499439f
    paragraph_quote: (b) Special rule for telephone call recordings. If a debt collector records telephone calls
      made in connection with the collection of a debt, the debt collector must retain the recording of each such
      telephone call for three years after the date of the call.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1006.100 subsection (b) from snapshot c67bbdd9529cfe8e;
      substring-verified.
  judgment: false
