The Consumer Financial Protection Bureau (CFPB) announced in July that Regulation F, the final rules interpreting the Fair Debt Collection Practices Act (FDCPA), will go into effect on November 30. With the deadline quickly approaching next week, what does your business need to know? 

To start, Reg F is the biggest change to hit the ARM industry since the implementation of the FDCPA, so if you’re feeling overwhelmed by the new ruling, know you’re not alone. Back in July, at the ACA International Convention & Expo, Reg F was the hottest topic, with many people feeling overwhelmed by this new way of doing business. 

To view the full ruling, click here. 

Here are a few things to know regarding Reg F: 

The Limited-Content Message

A limited-content message is “what information a debt collector must and may include in a voicemail message for consumers (with the inclusion of no other information permitted) for the message to be deemed not to be a communication under the FDCPA.” (CFPB) If your business decides to use the limited-content message, then you need to make sure that you are set up for success. The CFPB said that “ringless voicemail” can be used to deliver the limited content message, and we’d be happy to help you get your message out at scale. 


With Reg F, you need to make sure that your compliance is up to par. This includes talking with your technology vendors and reviewing documentation. 

At VoApps, compliance is our top priority. We are committed to consistently staying up to date with new rulings and legislation, so we can help fuel your business with DirectDrop Voicemail while also remaining responsible and in line with the TCPA and FDCPA regulations.

Keep Your Clients in the Know

Transparency is so important with change. Make sure that you keep an open line of communication with your customers and clients about Reg F and how this could change the overall landscape of your business. 

If you have any additional questions about Reg F, our team would be happy to help answer them. Reach out to us here. 

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