NCLC Report on Reg F finds consumers still struggling to understand validation notices

Here. Some other notable findings:

Requests to stop particular types of communication are often ignored by collectors. Most survey respondents indicated that debt collectors generally do not comply with requests from consumers to cease contacting them via a particular method of communication—in violation of Regulation F.

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Collection of time-barred debts continued, including suits and threats of suits. A majority of consumer advocates reported that debt collectors are still collecting time-barred debts after November 30, 2021. Even with disclosures, consumer advocates reported that consumers find this concept confusing. Moreover, some consumer advocates reported that debt collectors continue to sue and threaten to sue on time-barred debts, although this was prohibited by Regulation F.

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