source:
  type: regulation
  id: reg-f-1006.42
  authority: 12 CFR §1006.42 — Sending required disclosures (Regulation F)
  description: 12 CFR §1006.42 — Sending required disclosures.
  coverage_tier: operative
obligations:
- id: reg-f-1006.42-full
  canonical_id: reg-f-1006.42-full
  section: 12 CFR §1006.42 — Sending required disclosures
  type: do
  tags:
  - regulator-direct
  - fdcpa
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 12 CFR §1006.42 — Sending required disclosures (Regulation F)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.42
    snapshot_id: 525eb3ec24a52c6f
    fetched_at: '2026-06-17T19:30:44Z'
    content_hash: sha256:6ead58c25db8d23c9df1f0597f684b20ac0b6f7ddc961b3e5cd0a7568ded2cd7
    paragraph_quote: § 1006.42 Sending required disclosures. (a) Sending required
      disclosures —(1) In general. A debt collector who sends disclosures required
      by the Act and this part in writing or electronically must do so in a manner
      that is reasonably expected to provide actual notice, and in a form that the
      consumer may keep and access later. (2) Exceptions. A debt collector need not
      comply with paragraph (a)(1) of this section when sending the disclosure required
      by § 1006.6(e) or § 1006.18(e) in writing or electronically, unless the disclosure
      is included on a notice required by § 1006.34(a)(1)(i) or § 1006.38(c) or (d)(2).
      (b) Requirements for certain disclosures sent electronically. To comply with
      paragraph (a) of this section, a debt collector who sends the notice required
      by § 1006.34(a)(1)(i)(B), or the disclosures described in § 1006.38(c) or (d)(2)(i),
      electronically must do so in accordance with section 101(c) of the Electronic
      Signatures in Global and National Commerce Act (E-SIGN Act) ( 15 U.S.C. 7001(c)
      ). [ 85 FR 76887 , Nov. 30, 2020, as amended at 86 FR 5856 , Jan. 19, 2021]
  judgment: false
