source:
  type: regulation
  id: reg-f-1006.1
  authority: 12 CFR §1006.1 — Authority, purpose, and coverage (Regulation F)
  description: 12 CFR §1006.1 — Authority, purpose, and coverage.
  coverage_tier: context
obligations:
- id: reg-f-1006.1-full
  canonical_id: reg-f-1006.1-full
  section: 12 CFR §1006.1 — Authority, purpose, and coverage
  type: reference
  tags:
  - regulator-direct
  - fdcpa
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 12 CFR §1006.1 — Authority, purpose, and coverage (Regulation F)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1006.1
    snapshot_id: 6ccc5dbb709f474f
    fetched_at: '2026-06-17T19:30:43Z'
    content_hash: sha256:2ae01e1926104e7227aa4087f28354562f434194aec606e0e43a44e9fb26c48b
    paragraph_quote: § 1006.1 Authority, purpose, and coverage. (a) Authority. This
      part, known as Regulation F, is issued by the Bureau of Consumer Financial Protection
      pursuant to sections 814(d) and 817 of the Fair Debt Collection Practices Act
      (FDCPA or Act), 15 U.S.C. 1692 l (d), 1692o; title X of the Dodd-Frank Wall
      Street Reform and Consumer Protection Act (Dodd-Frank Act), 12 U.S.C. 5481 et
      seq.; and paragraph (b)(1) of section 104 of the Electronic Signatures in Global
      and National Commerce Act (E-SIGN Act), 15 U.S.C. 7004 . (b) Purpose. This part
      carries out the purposes of the FDCPA, which include eliminating abusive debt
      collection practices by debt collectors , ensuring that debt collectors who
      refrain from using abusive debt collection practices are not competitively disadvantaged,
      and promoting consistent State action to protect consumers against debt collection
      abuses. This part also prescribes requirements to ensure that certain features
      of debt collection are disclosed fully, accurately, and effectively to consumers
      in a manner that permits consumers to understand the costs, benefits, and risks
      associated with debt collection, in light of the facts and circumstances. Finally,
      this part imposes record retention requirements to enable the Bureau to administer
      and carry out the purposes of the FDCPA, the Dodd-Frank Act , and this part,
      as well as to prevent evasions thereof. The record retention requirements also
      will facilitate supervision of debt collectors and the assessment and detection
      of risks to consumers. (c) Coverage. (1) Except as provided in § 1006.108 and
      appendix A of this part regarding applications for State exemptions from the
      FDCPA, this part applies to debt collectors, as defined in § 1006.2(i) , other
      than a person excluded from coverage by section 1029(a) of the Consumer Financial
      Protection Act of 2010 , title X of the Dodd-Frank Act ( 12 U.S.C. 5519(a) ).
      (2) Section 1006.34(c)(2)(iii) and (c) (3)(iv) applies to debt collectors only
      when they are collecting debt related to a consumer financial product or service
      as defined in § 1006.2(f) . [ 85 FR 76887 , Nov. 30, 2020, as amended at 86
      FR 5853 , Jan. 19, 2021]
  judgment: false
