Finance and Insurance
CFPB Regulation F changed the rules for digital debt collection. Your website is now a regulated communication channel.
Debt collection websites must comply with FDCPA, Regulation F, and state-specific requirements. We review for required disclosures, validation rights, and prohibited practices.
What regulators look for on debt collection websites
Missing mini-Miranda warning and collector identification
No debt validation rights notice
Harassment, threat, or misleading language
Collecting time-barred debt without disclosure
Who regulates debt collection websites
We review your website against requirements from each of these regulatory bodies. This is an informational review, not legal advice. Consult with your attorney for guidance specific to your situation.
What we check
Common questions about debt collection websites
Does my website need the mini-Miranda warning?
Yes, if your website is used for collection communications. FDCPA and Regulation F require: "This is an attempt to collect a debt. Any information obtained will be used for that purpose."
What are debt validation rights?
Under FDCPA Section 1692g, within 5 days of initial communication, you must provide: the debt amount, creditor name, and a statement that the consumer can dispute within 30 days.
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