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).

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: reg-f-1006.100
  authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention
  description: |
    12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB), §1006.100 Record retention. Captured section-complete (all subsections verbatim).
obligations:
  - id: reg-f-1006.100-a
    canonical_id: reg-f-1006.100-a
    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…'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
    primary_source:
      tier: 1
      authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100
      source_class: ecfr-xml
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1006
      snapshot_id: c67bbdd9529cfe8e
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:dd83be4e4e18d82346d4e1f7217494f51deed4a4442584c52591a6f5b499439f
      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.
  - id: reg-f-1006.100-b
    canonical_id: reg-f-1006.100-b
    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.'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
    primary_source:
      tier: 1
      authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100
      source_class: ecfr-xml
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1006
      snapshot_id: c67bbdd9529cfe8e
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:dd83be4e4e18d82346d4e1f7217494f51deed4a4442584c52591a6f5b499439f
      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