source:
  type: regulation
  id: fdcpa-15usc-1692c
  authority: 15 USC § 1692c — Communication in connection with debt collection
  description: 'FDCPA''s communication restrictions on debt collectors. Sets the

    canonical 8 AM-9 PM call window, restricts communication when the

    consumer is represented by counsel or contact is at a workplace that

    prohibits it, prohibits most third-party communications, and requires

    cessation upon written request. Where [LENDER] handles servicing that

    triggers FDCPA scope (third-party collection or Reg F first-party

    overlay), these communication restrictions are operative.

    '
obligations:
- id: fdcpa-15usc-1692c-a
  canonical_id: fdcpa-15usc-1692c-a
  section: 15 U.S.C. §1692c(a)
  description: '(a): (a) Communication with the consumer generally Without the prior consent of the consumer
    given directly to the debt collector or the express permission of a court of competent jurisdiction,
    a debt collector may not communicate with a consumer in connection with the collection of any debt—
    (1) at any …'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692c(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692c
    snapshot_id: d4e425ba8879b372
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372
    paragraph_quote: (a) Communication with the consumer generally Without the prior consent of the consumer
      given directly to the debt collector or the express permission of a court of competent jurisdiction,
      a debt collector may not communicate with a consumer in connection with the collection of any debt—
      (1) at any unusual time or place or a time or place known or which should be known to be inconvenient
      to the consumer . In the absence of knowledge of circumstances to the contrary, a debt collector
      shall assume that the convenient time for communicating with a consumer is after 8 o’clock antemeridian
      and before 9 o’clock postmeridian, local time at the consumer ’s location; (2) if the debt collector
      knows the consumer is represented by an attorney with respect to such debt and has knowledge of,
      or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond
      within a reasonable period of time to a communication from the debt collector or unless the attorney
      consents to direct communication with the consumer ; or (3) at the consumer ’s place of employment
      if the debt collector knows or has reason to know that the consumer ’s employer prohibits the consumer
      from receiving such communication.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692c from Cornell LII snapshot d4e425ba8879b372;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692c-b
  canonical_id: fdcpa-15usc-1692c-b
  section: 15 U.S.C. §1692c(b)
  description: '(b): (b) Communication with third parties Except as provided in section 1692b of this
    title , without the prior consent of the consumer given directly to the debt collector, or the express
    permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment
    judicial re…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692c(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692c
    snapshot_id: d4e425ba8879b372
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372
    paragraph_quote: (b) Communication with third parties Except as provided in section 1692b of this
      title , without the prior consent of the consumer given directly to the debt collector, or the express
      permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment
      judicial remedy, a debt collector may not communicate, in connection with the collection of any
      debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise
      permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692c from Cornell LII snapshot d4e425ba8879b372;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692c-c
  canonical_id: fdcpa-15usc-1692c-c
  section: 15 U.S.C. §1692c(c)
  description: '(c): (c) Ceasing communication If a consumer notifies a debt collector in writing that
    the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further
    communication with the consumer , the debt collector shall not communicate further with the consumer
    with respect to su…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692c(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692c
    snapshot_id: d4e425ba8879b372
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372
    paragraph_quote: (c) Ceasing communication If a consumer notifies a debt collector in writing that
      the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further
      communication with the consumer , the debt collector shall not communicate further with the consumer
      with respect to such debt, except— (1) to advise the consumer that the debt collector’s further
      efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may
      invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3)
      where applicable, to notify the consumer that the debt collector or creditor intends to invoke a
      specified remedy. If such notice from the consumer is made by mail, notification shall be complete
      upon receipt.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692c from Cornell LII snapshot d4e425ba8879b372;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fdcpa-15usc-1692c-d
  canonical_id: fdcpa-15usc-1692c-d
  section: 15 U.S.C. §1692c(d)
  description: '(d): (d) “Consumer” defined For the purpose of this section, the term “ consumer ” includes
    the consumer ’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.
    ( Pub. L. 90–321, title VIII, § 805 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 876 .)'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 USC § 1692c(a)
    source_class: fdcpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1692c
    snapshot_id: d4e425ba8879b372
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372d4e425ba8879b372
    paragraph_quote: (d) “Consumer” defined For the purpose of this section, the term “ consumer ” includes
      the consumer ’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.
      ( Pub. L. 90–321, title VIII, § 805 , as added Pub. L. 95–109 , Sept. 20, 1977 , 91 Stat. 876 .)
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1692c from Cornell LII snapshot d4e425ba8879b372;
      body isolated between nav and notes; substring-verified.
  judgment: false
