source:
  type: regulation
  id: reg-f-1006.14
  authority: 12 CFR §1006.14 — Harassing, oppressive, or abusive conduct
  description: 'Regulation F §1006.14 (implementing FDCPA section 806) prohibits a debt

    collector from engaging in any conduct the natural consequence of which

    is to harass, oppress, or abuse any person in connection with the

    collection of a debt.

    '
obligations:
- id: reg-f-1006.14-a
  canonical_id: reg-f-1006.14-a
  section: 12 CFR §1006.14(a)
  description: '(a): (a) In general. A debt collector must not engage in any conduct the natural consequence
    of which is to harass, oppress, or abuse any person in connection with the collection of a debt ,
    including, but not limited to, the conduct described in paragraphs (b) through (h) of this section.'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (a) In general. A debt collector must not engage in any conduct the natural consequence
      of which is to harass, oppress, or abuse any person in connection with the collection of a debt
      , including, but not limited to, the conduct described in paragraphs (b) through (h) of this section.
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-b
  canonical_id: reg-f-1006.14-b
  section: 12 CFR §1006.14(b)
  description: '(b): (b) Repeated or continuous telephone calls or telephone conversations —(1) In general.
    In connection with the collection of a debt , a debt collector must not place telephone calls or engage
    any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass
    any pe…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (b) Repeated or continuous telephone calls or telephone conversations —(1) In general.
      In connection with the collection of a debt , a debt collector must not place telephone calls or
      engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse,
      or harass any person at the called number. (2) Telephone call frequencies; presumptions of compliance
      and violation.
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-i
  canonical_id: reg-f-1006.14-i
  section: 12 CFR §1006.14(i)
  description: '(i): (i) Subject to the exclusions in paragraph (b)(3) of this section, a debt collector
    is presumed to comply with paragraph (b)(1) of this section and FDCPA section 806(5) ( 15 U.S.C. 1692d(5)
    ) if the debt collector places a telephone call to a particular person in connection with the collection
    of a …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: '(i) Subject to the exclusions in paragraph (b)(3) of this section, a debt collector
      is presumed to comply with paragraph (b)(1) of this section and FDCPA section 806(5) ( 15 U.S.C.
      1692d(5) ) if the debt collector places a telephone call to a particular person in connection with
      the collection of a particular debt neither: (A) More than seven times within seven consecutive
      days; nor (B) Within a period of seven consecutive days after having had a telephone conversation
      with the person in connection with the collection of such debt . The date of the telephone conversation
      is the first day of the seven-consecutive-day period. (ii) Subject to the exclusions in paragraph
      (b)(3) of this section, a debt collector is presumed to violate paragraph (b)(1) of this section
      and FDCPA section 806(5) if the debt collector places a telephone call to a particular person in
      connection with the collection of a particular debt in excess of either of the telephone call frequencies
      described in paragraph (b)(2)(i) of this section. (3) Certain telephone calls excluded from the
      telephone call frequencies. Telephone calls placed to a person do not count toward the telephone
      call frequencies described in paragraph (b)(2)(i) of this section if they are:'
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-i
  canonical_id: reg-f-1006.14-i
  section: 12 CFR §1006.14(i)
  description: '(i): (i) Placed with such person ''s prior consent given directly to the debt collector
    and within a period no longer than seven consecutive days after receiving the prior consent, with
    the date the debt collector receives prior consent counting as the first day of the seven-consecutive-day
    period; (ii) N…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (i) Placed with such person 's prior consent given directly to the debt collector
      and within a period no longer than seven consecutive days after receiving the prior consent, with
      the date the debt collector receives prior consent counting as the first day of the seven-consecutive-day
      period; (ii) Not connected to the dialed number; or (iii) Placed to the persons described in § 1006.6(d)(1)(ii)
      through (vi). (4) Definition. For purposes of this paragraph (b), particular debt means each of
      a consumer 's debts in collection. However, in the case of student loan debts , the term particular
      debt means all student loan debts that a consumer owes or allegedly owes that were serviced under
      a single account number at the time the debts were obtained by a debt collector .
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-c
  canonical_id: reg-f-1006.14-c
  section: 12 CFR §1006.14(c)
  description: '(c): (c) Violence or other criminal means. In connection with the collection of a debt
    , a debt collector must not use or threaten to use violence or other criminal means to harm the physical
    person , reputation, or property of any person .'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (c) Violence or other criminal means. In connection with the collection of a debt
      , a debt collector must not use or threaten to use violence or other criminal means to harm the
      physical person , reputation, or property of any person .
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-d
  canonical_id: reg-f-1006.14-d
  section: 12 CFR §1006.14(d)
  description: '(d): (d) Obscene or profane language. In connection with the collection of a debt , a
    debt collector must not use obscene or profane language, or language the natural consequence of which
    is to abuse the hearer or reader.'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (d) Obscene or profane language. In connection with the collection of a debt , a
      debt collector must not use obscene or profane language, or language the natural consequence of
      which is to abuse the hearer or reader.
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-e
  canonical_id: reg-f-1006.14-e
  section: 12 CFR §1006.14(e)
  description: '(e): (e) Debtor''s list. In connection with the collection of a debt , a debt collector
    must not publish a list of consumers who allegedly refuse to pay debts, except to a consumer reporting
    agency or to persons meeting the requirements of sections 603(f) or 604(a)(3) of the Fair Credit Reporting
    Act ( 15…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (e) Debtor's list. In connection with the collection of a debt , a debt collector
      must not publish a list of consumers who allegedly refuse to pay debts, except to a consumer reporting
      agency or to persons meeting the requirements of sections 603(f) or 604(a)(3) of the Fair Credit
      Reporting Act ( 15 U.S.C. 1681a(f) or 1681b(a)(3) ).
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-f
  canonical_id: reg-f-1006.14-f
  section: 12 CFR §1006.14(f)
  description: '(f): (f) Coercive advertisements. In connection with the collection of a debt , a debt
    collector must not advertise for sale any debt to coerce payment of the debt .'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (f) Coercive advertisements. In connection with the collection of a debt , a debt
      collector must not advertise for sale any debt to coerce payment of the debt .
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-g
  canonical_id: reg-f-1006.14-g
  section: 12 CFR §1006.14(g)
  description: '(g): (g) Meaningful disclosure of identity. In connection with the collection of a debt
    , a debt collector must not place telephone calls without meaningfully disclosing the caller''s identity,
    except as provided in § 1006.10 .'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (g) Meaningful disclosure of identity. In connection with the collection of a debt
      , a debt collector must not place telephone calls without meaningfully disclosing the caller's identity,
      except as provided in § 1006.10 .
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-h
  canonical_id: reg-f-1006.14-h
  section: 12 CFR §1006.14(h)
  description: '(h): (h) Prohibited communication media —(1) In general. In connection with the collection
    of any debt , a debt collector must not communicate or attempt to communicate with a person through
    a medium of communication if the person has requested that the debt collector not use that medium
    to communicate w…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: '(h) Prohibited communication media —(1) In general. In connection with the collection
      of any debt , a debt collector must not communicate or attempt to communicate with a person through
      a medium of communication if the person has requested that the debt collector not use that medium
      to communicate with the person . (2) Exceptions. Notwithstanding the prohibition in paragraph (h)(1)
      of this section:'
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-f-1006.14-i
  canonical_id: reg-f-1006.14-i
  section: 12 CFR §1006.14(i)
  description: '(i): (i) If a person opts out of receiving electronic communications from a debt collector
    , a debt collector may send an electronic confirmation of the person ''s request to opt out, provided
    that the electronic confirmation contains no information other than a statement confirming the person
    ''s request …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1006.14(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.14
    snapshot_id: 73ec949b15d5252b
    fetched_at: '2026-05-22T18:21:11Z'
    content_hash: sha256:0f2499c066d69c8a353a4b64e4c78e13d959addefe556e77acaa323c6e16f15e
    paragraph_quote: (i) If a person opts out of receiving electronic communications from a debt collector
      , a debt collector may send an electronic confirmation of the person 's request to opt out, provided
      that the electronic confirmation contains no information other than a statement confirming the person
      's request and that the debt collector will honor it; (ii) If a person initiates contact with a
      debt collector using a medium of communication that the person previously requested the debt collector
      not use, the debt collector may respond once through the same medium of communication used by the
      person ; or (iii) If otherwise required by applicable law, a debt collector may communicate or attempt
      to communicate with a person in connection with the collection of any debt through a medium of communication
      that the person has requested the debt collector not use to communicate with the person . Fair Credit
      Reporting Act CFR Toolbox Law about... Articles from Wex Table of Popular Names Parallel Table of
      Authorities Accessibility About LII Contact us Advertise here Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR §1006.14 from Cornell LII snapshot 73ec949b15d5252b;
      body isolated between nav and notes; substring-verified.
  judgment: false
