12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention

reg-f-1006-100

12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB), §1006.100 Record retention. Captured section-complete (all subsections verbatim).

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  authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention
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    12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB), §1006.100 Record retention. Captured section-complete (all subsections verbatim).
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    section: 12 CFR §1006.100(a)
    description: 'Record retention — (a): (a) In general. Except as provided in paragraph (b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt c…'
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      paragraph_quote: (a) In general. Except as provided in paragraph (b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt collector's last collection activity on the debt.
      drafter_attestation: Verbatim (whitespace-normalized) slice of §1006.100 subsection (a) from snapshot c67bbdd9529cfe8e; substring-verified.
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    section: 12 CFR §1006.100(b)
    description: 'Record retention — (b): (b) Special rule for telephone call recordings. If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.'
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      paragraph_quote: (b) Special rule for telephone call recordings. If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.
      drafter_attestation: Verbatim (whitespace-normalized) slice of §1006.100 subsection (b) from snapshot c67bbdd9529cfe8e; substring-verified.

Verbatim regulatory text (2)

Verbatim provisions from 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 CFR §1006.100(a)

(a) In general. Except as provided in paragraph (b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt collector's last collection activity on the debt.

Source: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 · source URL · snapshot c67bbdd9529cfe8e

12 CFR §1006.100(b)

(b) Special rule for telephone call recordings. If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.

Source: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 · source URL · snapshot c67bbdd9529cfe8e

Operationalizing 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/reg-f-1006-100/ · register reg-f-1006-100 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.