source:
  type: regulation
  id: reg-f-1006.26
  authority: 12 CFR §1006.26 — Collection of time-barred debts (Regulation F)
  description: 12 CFR §1006.26 — Collection of time-barred debts.
  coverage_tier: operative
obligations:
- id: reg-f-1006.26-full
  canonical_id: reg-f-1006.26-full
  section: 12 CFR §1006.26 — Collection of time-barred debts
  type: do
  tags:
  - regulator-direct
  - fdcpa
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 12 CFR §1006.26 — Collection of time-barred debts (Regulation F)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.26
    snapshot_id: a7391be443a80c5a
    fetched_at: '2026-06-17T19:30:44Z'
    content_hash: sha256:5355ace82ed169233d66360d5c4c792e2379e0b1351d406d674679745021f84e
    paragraph_quote: '§ 1006.26 Collection of time-barred debts. (a) Definitions.
      For purposes of this section: (1) Statute of limitations means the period prescribed
      by applicable law for bringing a legal action against the consumer to collect
      a debt . (2) Time-barred debt means a debt for which the applicable statute
      of limitations has expired. (b) Legal actions and threats of legal actions prohibited.
      A debt collector must not bring or threaten to bring a legal action against
      a consumer to collect a time-barred debt . This paragraph (b) does not apply
      to proofs of claim filed in connection with a bankruptcy proceeding. [ 86 FR
      5854 , Jan. 19, 2021]'
  judgment: false
