CFPB Resources

NCBA’s regular engagement with the CFPB ensures your voice is heard and that the interests of the creditor's rights industry are well represented.

This collection of CFPB documents, links, and webinar recordings offer guidance and insight on regulatory compliance for our industry.

CFPB Links & Guidance

• Debt Collection Rule (Regulation F)
• Debt Collection Compliance Aid Resources
• Debt Collection Rule FAQs - updated July 27, 2022
• Debt Collection Rule: Disclosing the Model Validation Notice Itemization Table
• Model Validation Notice
• Model Validation Notice – Spanish Translation
• Submit a regulatory inquiry to the CFPB
• FCC Reassigned Numbers Database

NCBA Webinar Recordings & Resources (Members Only)

• Navigating CFPB Supervision: What Triggers an Examination?
• CFPB’s Proposed Repeat Offender Registry: Potential Risks, Benefits and Pitfalls
• Just Released CFPB Validation Notice FAQs and Guidance
• FDCPA Class Actions after TransUnion v. Ramirez
• A First Take-CFPB Debt Collection Rule: Part I
• CFPB Debt Collection Rule: Part II - Issues & Analysis

Advisory Opinion Program Taskforce

NCBA will review member requests for clarification from the CFPB through the Advisory Opinion Program. The purpose of the Bureau’s Advisory Opinion Program is to allow the Bureau a mechanism to provide written guidance to assist regulated entities to better understand their legal and regulatory obligations through advisory opinions.

The CFPB’s Advisory Opinion Program provides anonymity for our members questions or concerns by allowing NCBA to submit requests on behalf of our members. This program focuses primarily on clarifying ambiguities in the Bureau’s regulations.

Learn More

NCBA Engagement with CFPB

NCBA regularly and proactively provides feedback to the CFPB both in formal written filings and during meetings with CFPB staff.

Comment Letters & Ex Parte Briefs

• Proposed Rulemaking on Personal Financial Data Rights – December 20, 2023
• Policy Regarding Prohibition on Abusive Acts or Practices – July 1, 2023
• Advisory Opinion Program Request regarding Communication with Consumers Who Have Been Represented by Bankrupt or Defunct Law Firms – June 22, 2023
• Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders – March 29, 2023
• Advisory Opinion Program Request regarding disclosure of interest and fees in Model Validation Notice (MVN) – June 10, 2021
• Debt Collection Practices (Regulation F); Delay of Effective Date – May 17, 2021
• Interim final rule Debt Collection Practices in Connection with the Global COVID-19 Pandemic (Regulation F) – May 6, 2021
• Supplemental Notice of Proposed Rulemaking on Debt Collection Practices (Regulation F) – July 27, 2020
• Notice of Ex Parte Presentation Debt Collection Practices (Regulation F) – July 17, 2020
• Debt Collection Practices (Regulation F), Proposed Rule – September 18, 2019
• Notice of Ex Parte Presentation Debt Collection Practices (Regulation F) – June 26, 2019

Other Engagement

• Compliance Forum Members Have Productive Call with CFPB – October 21, 2021
• Congressman Mooney Continues Support for NCBA's Position in Letter to CFPB Director Kraninger – September 17, 2020
• On The Record! – August 6, 2020
• Creditor Rights Law Firms Well-Represented on CFPB’s Small Business Review Panel – August 26, 2016

NCBA is not responsible for the accuracy or completeness of the information contained in these resources. NCBA’s Privacy Policy & User Consent