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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

CFPB
FTC
State AG Consumer Protection
Active enforcement: The CFPB regularly takes enforcement action against debt collectors for website-based collection violations, including missing disclosures and misleading payment portal language.

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

13 debt collection-specific checksTailored to debt collection regulatory requirements
6,919+ total checks in every auditSpeed, SEO, accessibility, security, and mobile
Hand-reviewed by a real personEvery report is verified before delivery

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.

Find out where your debt collection website stands

6,919+ checks. Hand-reviewed. Free. Takes 30 seconds to submit.

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