In the United States, Regulation F presumes contact before 8:00 a.m. or after 9:00 p.m. is inconvenient. The time is the debtor's local time. Every electronic message explains how to stop receiving them. The federal rule applies to the debt collectors that law defines. State laws can add rules.
What time can you collect debts in the United States?
Between 8:00 a.m. and 9:00 p.m. in the debtor's local time. Outside those hours Regulation F presumes the time is inconvenient, unless the collector knows otherwise.
What must a collection text or email include?
A simple way to opt out of those messages. Section 1006.6(e) requires it in every electronic communication.
Who does Regulation F apply to?
The debt collectors defined by federal debt collection law. Check whether your business fits that definition and which rules your state adds.
What does Makatea do to comply?
- Sets the start and end time of your organization's sends.
- Removes from sends anyone who asked not to receive more messages.
- Puts your business name in every message.
- Stops reminders as soon as you record the payment.
Official source 12 CFR 1006.6, Regulation F (CFPB), eCFR