Rules library

Public reference entries for selected FDCPA, Regulation F, TCPA, and FCRA authorities. Each entry shows a citation, plain-English summary, bounded workflow example, jurisdiction tag, effective date, reviewer, version, and dated revision trail; none is legal advice or production clearance.

Codified rules

FDCPA + TCPA framework. Each card opens to the full citation, verbatim statutory text where available, and the enforcement action the agent takes.

FDCPA15 U.S.C. § 1692g (a)–(e)
30-day validation notice
Within five days of the first communication with a consumer, a debt collector must send a written notice containing five statutory disclosures — including a 30-day window to dispute the debt, while written requests apply to verification and original-creditor information.
Federalv1.6.0Effective 2024-09-12
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§ (a)–(e)
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FDCPA15 U.S.C. § 1692e(11) (11)
Mini-Miranda debt-collector disclosure
In the initial written communication with a consumer, and in the initial oral communication when the first communication is oral, a debt collector must disclose that it is attempting to collect a debt and that information obtained will be used for that purpose. Subsequent communications must disclose that the communication is from a debt collector; third-party communications are governed separately by § 1692c(b).
Federalv1.5.0Effective 2024-09-12
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§ (11)
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FDCPA15 U.S.C. § 1692c(c) (c)
Cease-communication upon written request
If a consumer notifies the collector in writing that they refuse to pay or want the collector to stop communicating, the collector must cease all collection contact — with narrow statutory exceptions for litigation notice and certain third-party notifications.
Federalv1.2.0Effective 2024-10-21
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§ (c)
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TCPA47 C.F.R. § 64.1200(c)(1) (c)(1)
Telephonic contact — call window 8 a.m. to 9 p.m. consumer local
Calls to a consumer's residence, cellular, or other telephone — including text messages — must be placed between 8 a.m. and 9 p.m. LOCAL TIME at the consumer's called location.
Federalv1.3.0Effective 2024-11-04
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§ (c)(1)
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TCPA47 U.S.C. § 227(b)(3) (b)(3)
Revocation of prior express consent — TCPA opt-out
A consumer may revoke any prior express consent to receive autodialed or prerecorded calls or texts at any time, by any reasonable means; the revocation is effective on receipt, and the caller must honor it within a reasonable period not to exceed ten business days.
Federalv1.2.0Effective 2024-11-04
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§ (b)(3)
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FDCPA15 U.S.C. § 1692g(b) (b)
30-day written dispute window — verification obligation
If a consumer disputes the debt in writing within 30 days of receiving the § 1692g notice, the collector must promptly obtain verification of the debt (or a copy of any judgment) and mail a copy to the consumer before collection activity resumes.
Federalv1.3.0Effective 2024-12-02
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§ (b)
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FDCPA15 U.S.C. § 1692g(d) (d)
Cease-of-collection pending verification
When the consumer disputes the debt in writing under § 1692g(b), all collection activity — including any communication attempting to collect the debt — must cease until the collector obtains verification of the debt and mails a copy to the consumer.
Federalv1.0.0Effective 2026-08-24
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§ (d)
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FDCPA15 U.S.C. § 1692e (2), (3), (10), (13)
False, deceptive, or misleading representations
A debt collector may not misrepresent the character, amount, or legal status of any debt; may not falsely imply attorney involvement; may not use deceptive means to collect; and may not threaten action that is not contemplated or intended.
Federal + Statev1.2.0Effective 2025-02-18
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§ (2), (3), (10), (13)
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FDCPA15 U.S.C. § 1692d (a), (b), (c), (d)
Harassment, oppression, or abuse
A debt collector may not engage in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt — including repeated or continuous calls, profane language, threats of violence, and publication of a refusal-to-pay list.
Federal + Statev1.1.0Effective 2025-02-18
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§ (a), (b), (c), (d)
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Reg. F12 C.F.R. § 1006.34 (a)(1)(ii), (b)(3)
Reg F validation notice — 30-day dispute window (Model Form B-1)
The public Reg F reference describes the validation-notice timing, receipt-based dispute period, required disclosures, and verification-related workflow boundary. It is a reference summary, not a determination that a real notice is compliant.
Federalv1.0.0Effective 2026-08-22
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§ (a)(1)(ii), (b)(3)
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Reg. F12 C.F.R. Part 1006, App. B Model Form B-1
Model Form B-1 — Reg F validation-notice safe harbor
Model Form B-1 in Appendix B to Part 1006 is a CFPB-provided safe-harbor option for the written validation notice under § 1006.34. The option is distinct from the underlying notice obligations: a collector may use an unmodified B-1 or a substantially similar form when the applicable safe-harbor conditions are met, but every compliant notice is not required to be an unmodified B-1.
Federalv1.0.0Effective 2026-08-22
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§ Model Form B-1
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Reg. F12 C.F.R. § 1006.34 (b)(4)
Identification of the original creditor
Where the current creditor is not the original creditor, the validation notice must contain the name of the original creditor and the name and address of the current creditor. A miss on either element opens a safe-harbor challenge even when every other § 1006.34(b) element is present.
Federalv1.0.0Effective 2026-08-22
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§ (b)(4)
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Reg. F12 C.F.R. § 1006.34 (b)(7)
Failure to dispute is not an admission of liability
A debt collector's validation notice must contain a statement that the consumer's failure to dispute the validity of the debt within the 30-day period is not an admission of liability by the consumer. Omitting the element can affect whether a Model B-1 safe-harbor option is available, regardless of how the other four elements are presented.
Federalv1.0.0Effective 2026-08-22
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§ (b)(7)
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Reg. F12 C.F.R. § 1006.18 (b), (c)
Required disclosures on initial communication with the consumer
In the debt collector's initial communication with a consumer — and on every subsequent written communication — the collector must disclose that the communication is from a debt collector, and any information obtained will be used for that purpose. The Mini-Miranda block sits at the foot of the B-1 validation notice for the written path.
Federalv1.0.0Effective 2026-08-22
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§ (b), (c)
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Reg. F12 C.F.R. § 1006.34 (b)(6)
Itemization of the debt and current balance
The validation notice must contain an itemization of the debt, including the current balance, the name of the current creditor, the name of the original creditor, and a breakdown of the charges, payments, fees, and interest that produced the asserted balance. A balance that does not reconcile to its ledger is treated as misstated under § 1692e (false representation of the amount of the debt).
Federalv1.0.0Effective 2026-08-22
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§ (b)(6)
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FCRA15 U.S.C. § 1681b (a)–(d)
Permissible purpose for consumer reports
A consumer reporting agency may furnish a consumer report only for the purposes enumerated in 15 U.S.C. § 1681b(a) — and a prospective user must certify the permissible purpose in writing under § 1681b(b) before the report is furnished. The § 1681b(d) laundry list pins the run of enumerated purposes a furnisher can rely on.
Federalv1.0.0Effective 2026-08-25
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§ (a)–(d)
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Reg. F12 C.F.R. § 1006.38 (a)–(c)
Reg F written-dispute procedure
The public Reg F reference describes the written-dispute and verification sequence; the product surface records a review hold in the synthetic workflow and does not decide whether a real-world dispute is legally sufficient.
Federalv1.0.0Effective 2026-08-29
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§ (a)–(c)
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Reg. F12 C.F.R. § 1006.14 (b)
Reg F contact-frequency boundary
Regulation F addresses contact-frequency limits; this public entry is a bounded reference for a separate downstream analysis, not a complete legal test.
Federalv1.0.0Effective 2026-08-29
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§ (b)
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Reg. F12 C.F.R. § 1006.6 (d)(3)
Reg F electronic-communication procedures
The public catalog links this Reg F entry to reasonable email and text-message procedures without presenting the product flag as a complete legal or clearance determination.
Federalv1.0.0Effective 2026-08-29
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§ (d)(3)
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TCPA47 U.S.C. § 227(c)(3) (c)(3)
TCPA do-not-call restriction
The TCPA do-not-call framework supplies a separate contact constraint for calls placed after a consumer opt-out.
Federalv1.0.0Effective 2026-08-29
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§ (c)(3)
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State UDAPNew York validation-window overlay (unverified)
New York validation-window overlay
The New York state overlay remains unverified; the federal validation baseline is the only active public rule for this workflow.
Federal + Statev1.0.0Effective 2026-08-29
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State UDAPCalifornia validation-window overlay (unverified)
California validation-window overlay
The California state overlay remains unverified; the federal validation baseline is the only active public rule for this workflow.
Federal + Statev1.0.0Effective 2026-08-29
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§ Codified rule registry

Every codified rule, in one grid.

The codified rule table SettleUp Collections dispatches against — jurisdiction scope, in-force date, current version, and the dated revisions trail. Full rule history opens at each rule.

22 rules codified

Every codified rule rendered with family, citation, rule name, jurisdiction, in-force date, version, and the most recent dated revisions.
Family	Citation	Rule	Jurisdiction	In force	Version	Revisions
FDCPA	`15 U.S.C. § 1692g (a)–(e)`	30-day validation notice	Federal	September 12, 2024	v1.6.0	Sep 2, 2026 · v1.6.0Clarified that § 1692g(a)(3) does not itself require a written dispute and separated that dispute right from the written-request language in § 1692g(a)(4)–(5) for the T1 synthetic teaching fixture. Aug 24, 2026 · v1.5.0Split the prior § 1692g(b)/(d) conjoined prose out of this rule into the standalone `fdcpa-1692g-d-cease-collection` row. This row carries the validation-notice scope explicitly (a)–(e); § 1692g(b), § 1692g(d), § 1692c(c), and § 1692e(11) remain separate statutory triggers in the catalog. Apr 22, 2026 · v1.4.0Reordered disclosure items so the dispute-window bullet sits first; verified CFPB 2025 Q4 guidance on safe-harbor element ordering. +3 earlier revisions
FDCPA	`15 U.S.C. § 1692e(11) (11)`	Mini-Miranda debt-collector disclosure	Federal	September 12, 2024	v1.5.0	Sep 2, 2026 · v1.5.0Corrected the applicability boundary: § 1692e(11) covers the initial written communication with the consumer, the initial oral communication when applicable, and the sender disclosure in subsequent communications. Third-party communications and prior-contact predicates remain separate § 1692c(b) and Regulation F concerns. Aug 23, 2026 · v1.4.0Revised the Mini-Miranda wording and linked the separate third-party communication authorities for review; this revision is superseded by the 2026-09-02 applicability correction. Feb 9, 2026 · v1.3.0Confirmed SMS is a covered medium after CFPB 2026 reaffirmation; updated enforcement sample to include reply-threads where the consumer did not start the conversation. +2 earlier revisions
FDCPA	`15 U.S.C. § 1692c(c) (c)`	Cease-communication upon written request	Federal	October 21, 2024	v1.2.0	Dec 15, 2025 · v1.2.0Locked the § 1692c(c)(2) "we may invoke" template at module load; operator override now writes an audit row before any further dispatch. Apr 30, 2025 · v1.1.0Moved cease-request gate from intake-time check to per-dispatch check so a request landing mid-relationship halts outbound activity cleanly. Oct 21, 2024 · v1.0.0Initial codification — intake-time gate + locked exception notice template.
TCPA	`47 C.F.R. § 64.1200(c)(1) (c)(1)`	Telephonic contact — call window 8 a.m. to 9 p.m. consumer local	Federal	November 4, 2024	v1.3.0	May 30, 2026 · v1.3.0Closed the "operator local clock" override — a manual late-call now requires a typed reason that lands in the audit row before dispatch. Aug 12, 2025 · v1.2.0Resolved timezone at scheduling time against the matter address deliverability record (not the firm TZ) so a relocator is hit cleanly across DST transitions. Nov 4, 2024 · v1.0.0Initial codification — 8 a.m.–9 p.m. local consumer-time dispatch gate.
TCPA	`47 U.S.C. § 227(b)(3) (b)(3)`	Revocation of prior express consent — TCPA opt-out	Federal	November 4, 2024	v1.2.0	Jan 14, 2026 · v1.2.0Re-affirmed post-Hall v. Smosh posture — once revocation lands, subsequent dials accrue $500–$1,500 per call as standalone violations; enforcement sample updated accordingly. Jul 22, 2025 · v1.1.0Added in-app revoke intake as a recognized revocation channel; "STOP" SMS keyword routed to the same flag. Nov 4, 2024 · v1.0.0Initial codification — 10-business-day revocation closure + per-channel recognition of opt-out signals.
FDCPA	`15 U.S.C. § 1692g(b) (b)`	30-day written dispute window — verification obligation	Federal	December 2, 2024	v1.3.0	Aug 24, 2026 · v1.3.0Removed the § 1692g(d) prose from this rule's enforcement and rationale — the cease-of-collection language now belongs to the standalone `fdcpa-1692g-d-cease-collection` row. This rule covers the § 1692g(b) verification obligation only (30-day dispute window + verification-upload path); the § 1692g(d) cease-of-collection obligation is its own rule so a cite of either subsection resolves cleanly to one rule. Mar 11, 2026 · v1.2.0Added the § 1692g(d) cease-of-collection stamp to every dispute reply so the hold-down projection lands in the audit row, not in operator memory. Sep 8, 2025 · v1.1.0Rebased the 30-day clock on § 1692g-notice-sent (rather than matter-open) to match CFPB query set used in 2025 enforcement. +1 earlier revisions
FDCPA	`15 U.S.C. § 1692g(d) (d)`	Cease-of-collection pending verification	Federal	August 24, 2026	v1.0.0	Aug 24, 2026 · v1.0.0Initial codification — cease-of-collection scoped to § 1692g(d) only. Distinguishes the rule from § 1692g(b) (verification obligation) and from § 1692c(c) (cease-communication upon written request). The brief referenced § 1692g(c) as a citation-scope note; the statutory authority sits at § 1692g(d).
FDCPA	`15 U.S.C. § 1692e (2), (3), (10), (13)`	False, deceptive, or misleading representations	Federal + State	February 18, 2025	v1.2.0	Jun 4, 2026 · v1.2.0Expanded § 1692e(13) draft-time check to include scheduled-court-date references; a named "court date" without a calendar entry now blocks dispatch. Aug 19, 2025 · v1.1.0Added "balance without per-component breakdown" prohibition so an asserted balance with no itemization is held pre-dispatch. Feb 18, 2025 · v1.0.0Initial codification — four § 1692e subsections ((2)(3)(10)(13)) as hard pre-dispatch checks.
FDCPA	`15 U.S.C. § 1692d (a), (b), (c), (d)`	Harassment, oppression, or abuse	Federal + State	February 18, 2025	v1.1.0	Jul 15, 2026 · v1.1.0Added a no-back-to-back-day cadence lock — two consecutive calendar-day touches with no operator flag now log a § 1692d(b) draft-time refusal. Sep 29, 2025 · v1.0.0Initial codification — one-touch-per-day cap + lexicon harassment band pre-dispatch check.
Reg. F	`12 C.F.R. § 1006.34 (a)(1)(ii), (b)(3)`	Reg F validation notice — 30-day dispute window (Model Form B-1)	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — 30-day receipt-based validation period + § 1006.34(b)(3) cease-of-collection, with the B-1 itemization date retained as a product workflow anchor.
Reg. F	`12 C.F.R. Part 1006, App. B Model Form B-1`	Model Form B-1 — Reg F validation-notice safe harbor	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — Model Form B-1 layout as the rendering literal for the post-demo validation artifact.
Reg. F	`12 C.F.R. § 1006.34 (b)(4)`	Identification of the original creditor	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — current/original creditor identity block on the Model Form B-1 render.
Reg. F	`12 C.F.R. § 1006.34 (b)(7)`	Failure to dispute is not an admission of liability	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — no-admission element rendered verbatim from the locked disclosure string.
Reg. F	`12 C.F.R. § 1006.18 (b), (c)`	Required disclosures on initial communication with the consumer	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — § 1006.18(b)/(c) Mini-Miranda block paired with the § 1692e(11) row on the source map so a single artifact satisfies both anchors.
Reg. F	`12 C.F.R. § 1006.34 (b)(6)`	Itemization of the debt and current balance	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — hard itemization reconciliation as a pre-render assertion; zero deltaCents gates the artifact.
FCRA	`15 U.S.C. § 1681b (a)–(d)`	Permissible purpose for consumer reports	Federal	August 25, 2026	v1.0.0	Aug 25, 2026 · v1.0.0Q0 promotion — promote the v0.1.0 stub to v1.0.0: stamp the partner + effective-date onto the registry row, splice into the reviewer AI system-prompt (CITATION_HEADER_MAP canonical 15 USC §1681b(a), new fcra CATEGORY_OF_CITATION bucket, § 1681b STATUTE_BLOCKS entry, and a CHANNEL_EXAMPLES.letter omission example) so the rule now surfaces readers via /risk-scan + /letter-risk-audit. Rule status in the gate remains UNRESOLVED until a partner signs off — the promotion is a registry + AI-prompt correction, NOT a status flip. Aug 23, 2026 · v0.1.0Initial codification — § 1681b(a)–(d) enumerated purposes + § 1681b(b) certification requirement. Lands UNRESOLVED in the gate; surfaces read-only on /coverage/fcra until a partner signs it off.
Reg. F	`12 C.F.R. § 1006.38 (a)–(c)`	Reg F written-dispute procedure	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the synthetic disputes workflow.
Reg. F	`12 C.F.R. § 1006.14 (b)`	Reg F contact-frequency boundary	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the synthetic contact lane.
Reg. F	`12 C.F.R. § 1006.6 (d)(3)`	Reg F electronic-communication procedures	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the risk-scan time window.
TCPA	`47 U.S.C. § 227(c)(3) (c)(3)`	TCPA do-not-call restriction	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the synthetic TCPA lane.
State UDAP	`New York validation-window overlay (unverified)`	New York validation-window overlay	Federal + State	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial unverified safe-static entry; federal baseline remains controlling for the demo.
State UDAP	`California validation-window overlay (unverified)`	California validation-window overlay	Federal + State	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial unverified safe-static entry; federal baseline remains controlling for the demo.

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Statute-aware

Codified rules

FDCPA15 U.S.C. § 1692g (a)–(e)
30-day validation notice
Within five days of the first communication with a consumer, a debt collector must send a written notice containing five statutory disclosures — including a 30-day window to dispute the debt, while written requests apply to verification and original-creditor information.
Federalv1.6.0Effective 2024-09-12
Open rule record § (a)–(e)
FDCPA15 U.S.C. § 1692e(11) (11)
Mini-Miranda debt-collector disclosure
In the initial written communication with a consumer, and in the initial oral communication when the first communication is oral, a debt collector must disclose that it is attempting to collect a debt and that information obtained will be used for that purpose. Subsequent communications must disclose that the communication is from a debt collector; third-party communications are governed separately by § 1692c(b).
Federalv1.5.0Effective 2024-09-12
Open rule record § (11)
FDCPA15 U.S.C. § 1692c(c) (c)
Cease-communication upon written request
If a consumer notifies the collector in writing that they refuse to pay or want the collector to stop communicating, the collector must cease all collection contact — with narrow statutory exceptions for litigation notice and certain third-party notifications.
Federalv1.2.0Effective 2024-10-21
Open rule record § (c)
TCPA47 C.F.R. § 64.1200(c)(1) (c)(1)
Telephonic contact — call window 8 a.m. to 9 p.m. consumer local
Calls to a consumer's residence, cellular, or other telephone — including text messages — must be placed between 8 a.m. and 9 p.m. LOCAL TIME at the consumer's called location.
Federalv1.3.0Effective 2024-11-04
Open rule record § (c)(1)
TCPA47 U.S.C. § 227(b)(3) (b)(3)
Revocation of prior express consent — TCPA opt-out
A consumer may revoke any prior express consent to receive autodialed or prerecorded calls or texts at any time, by any reasonable means; the revocation is effective on receipt, and the caller must honor it within a reasonable period not to exceed ten business days.
Federalv1.2.0Effective 2024-11-04
Open rule record § (b)(3)
FDCPA15 U.S.C. § 1692g(b) (b)
30-day written dispute window — verification obligation
If a consumer disputes the debt in writing within 30 days of receiving the § 1692g notice, the collector must promptly obtain verification of the debt (or a copy of any judgment) and mail a copy to the consumer before collection activity resumes.
Federalv1.3.0Effective 2024-12-02
Open rule record § (b)
FDCPA15 U.S.C. § 1692g(d) (d)
Cease-of-collection pending verification
When the consumer disputes the debt in writing under § 1692g(b), all collection activity — including any communication attempting to collect the debt — must cease until the collector obtains verification of the debt and mails a copy to the consumer.
Federalv1.0.0Effective 2026-08-24
Open rule record § (d)
FDCPA15 U.S.C. § 1692e (2), (3), (10), (13)
False, deceptive, or misleading representations
A debt collector may not misrepresent the character, amount, or legal status of any debt; may not falsely imply attorney involvement; may not use deceptive means to collect; and may not threaten action that is not contemplated or intended.
Federal + Statev1.2.0Effective 2025-02-18
Open rule record § (2), (3), (10), (13)
FDCPA15 U.S.C. § 1692d (a), (b), (c), (d)
Harassment, oppression, or abuse
A debt collector may not engage in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt — including repeated or continuous calls, profane language, threats of violence, and publication of a refusal-to-pay list.
Federal + Statev1.1.0Effective 2025-02-18
Open rule record § (a), (b), (c), (d)
Reg. F12 C.F.R. § 1006.34 (a)(1)(ii), (b)(3)
Reg F validation notice — 30-day dispute window (Model Form B-1)
The public Reg F reference describes the validation-notice timing, receipt-based dispute period, required disclosures, and verification-related workflow boundary. It is a reference summary, not a determination that a real notice is compliant.
Federalv1.0.0Effective 2026-08-22
Open rule record § (a)(1)(ii), (b)(3)
Reg. F12 C.F.R. Part 1006, App. B Model Form B-1
Model Form B-1 — Reg F validation-notice safe harbor
Model Form B-1 in Appendix B to Part 1006 is a CFPB-provided safe-harbor option for the written validation notice under § 1006.34. The option is distinct from the underlying notice obligations: a collector may use an unmodified B-1 or a substantially similar form when the applicable safe-harbor conditions are met, but every compliant notice is not required to be an unmodified B-1.
Federalv1.0.0Effective 2026-08-22
Open rule record § Model Form B-1
Reg. F12 C.F.R. § 1006.34 (b)(4)
Identification of the original creditor
Where the current creditor is not the original creditor, the validation notice must contain the name of the original creditor and the name and address of the current creditor. A miss on either element opens a safe-harbor challenge even when every other § 1006.34(b) element is present.
Federalv1.0.0Effective 2026-08-22
Open rule record § (b)(4)
Reg. F12 C.F.R. § 1006.34 (b)(7)
Failure to dispute is not an admission of liability
A debt collector's validation notice must contain a statement that the consumer's failure to dispute the validity of the debt within the 30-day period is not an admission of liability by the consumer. Omitting the element can affect whether a Model B-1 safe-harbor option is available, regardless of how the other four elements are presented.
Federalv1.0.0Effective 2026-08-22
Open rule record § (b)(7)
Reg. F12 C.F.R. § 1006.18 (b), (c)
Required disclosures on initial communication with the consumer
In the debt collector's initial communication with a consumer — and on every subsequent written communication — the collector must disclose that the communication is from a debt collector, and any information obtained will be used for that purpose. The Mini-Miranda block sits at the foot of the B-1 validation notice for the written path.
Federalv1.0.0Effective 2026-08-22
Open rule record § (b), (c)
Reg. F12 C.F.R. § 1006.34 (b)(6)
Itemization of the debt and current balance
The validation notice must contain an itemization of the debt, including the current balance, the name of the current creditor, the name of the original creditor, and a breakdown of the charges, payments, fees, and interest that produced the asserted balance. A balance that does not reconcile to its ledger is treated as misstated under § 1692e (false representation of the amount of the debt).
Federalv1.0.0Effective 2026-08-22
Open rule record § (b)(6)
FCRA15 U.S.C. § 1681b (a)–(d)
Permissible purpose for consumer reports
A consumer reporting agency may furnish a consumer report only for the purposes enumerated in 15 U.S.C. § 1681b(a) — and a prospective user must certify the permissible purpose in writing under § 1681b(b) before the report is furnished. The § 1681b(d) laundry list pins the run of enumerated purposes a furnisher can rely on.
Federalv1.0.0Effective 2026-08-25
Open rule record § (a)–(d)
Reg. F12 C.F.R. § 1006.38 (a)–(c)
Reg F written-dispute procedure
The public Reg F reference describes the written-dispute and verification sequence; the product surface records a review hold in the synthetic workflow and does not decide whether a real-world dispute is legally sufficient.
Federalv1.0.0Effective 2026-08-29
Open rule record § (a)–(c)
Reg. F12 C.F.R. § 1006.14 (b)
Reg F contact-frequency boundary
Regulation F addresses contact-frequency limits; this public entry is a bounded reference for a separate downstream analysis, not a complete legal test.
Federalv1.0.0Effective 2026-08-29
Open rule record § (b)
Reg. F12 C.F.R. § 1006.6 (d)(3)
Reg F electronic-communication procedures
The public catalog links this Reg F entry to reasonable email and text-message procedures without presenting the product flag as a complete legal or clearance determination.
Federalv1.0.0Effective 2026-08-29
Open rule record § (d)(3)
TCPA47 U.S.C. § 227(c)(3) (c)(3)
TCPA do-not-call restriction
The TCPA do-not-call framework supplies a separate contact constraint for calls placed after a consumer opt-out.
Federalv1.0.0Effective 2026-08-29
Open rule record § (c)(3)
State UDAPNew York validation-window overlay (unverified)
New York validation-window overlay
The New York state overlay remains unverified; the federal validation baseline is the only active public rule for this workflow.
Federal + Statev1.0.0Effective 2026-08-29
Open rule record § (unverified)
State UDAPCalifornia validation-window overlay (unverified)
California validation-window overlay
The California state overlay remains unverified; the federal validation baseline is the only active public rule for this workflow.
Federal + Statev1.0.0Effective 2026-08-29
Open rule record § (unverified)

§ Codified rule registry

Every codified rule, in one grid.

Full audit history opens at each rule. Citations, jurisdictions, in-force dates, current versions, and the dated revisions trail.

Every codified rule rendered with family, citation, rule name, jurisdiction, in-force date, version, and the most recent dated revisions.
Family	Citation	Rule	Jurisdiction	In force	Version	Revisions
FDCPA	`15 U.S.C. § 1692g (a)–(e)`	30-day validation notice	Federal	September 12, 2024	v1.6.0	Sep 2, 2026 · v1.6.0Clarified that § 1692g(a)(3) does not itself require a written dispute and separated that dispute right from the written-request language in § 1692g(a)(4)–(5) for the T1 synthetic teaching fixture. Aug 24, 2026 · v1.5.0Split the prior § 1692g(b)/(d) conjoined prose out of this rule into the standalone `fdcpa-1692g-d-cease-collection` row. This row carries the validation-notice scope explicitly (a)–(e); § 1692g(b), § 1692g(d), § 1692c(c), and § 1692e(11) remain separate statutory triggers in the catalog. Apr 22, 2026 · v1.4.0Reordered disclosure items so the dispute-window bullet sits first; verified CFPB 2025 Q4 guidance on safe-harbor element ordering. +3 earlier revisions
FDCPA	`15 U.S.C. § 1692e(11) (11)`	Mini-Miranda debt-collector disclosure	Federal	September 12, 2024	v1.5.0	Sep 2, 2026 · v1.5.0Corrected the applicability boundary: § 1692e(11) covers the initial written communication with the consumer, the initial oral communication when applicable, and the sender disclosure in subsequent communications. Third-party communications and prior-contact predicates remain separate § 1692c(b) and Regulation F concerns. Aug 23, 2026 · v1.4.0Revised the Mini-Miranda wording and linked the separate third-party communication authorities for review; this revision is superseded by the 2026-09-02 applicability correction. Feb 9, 2026 · v1.3.0Confirmed SMS is a covered medium after CFPB 2026 reaffirmation; updated enforcement sample to include reply-threads where the consumer did not start the conversation. +2 earlier revisions
FDCPA	`15 U.S.C. § 1692c(c) (c)`	Cease-communication upon written request	Federal	October 21, 2024	v1.2.0	Dec 15, 2025 · v1.2.0Locked the § 1692c(c)(2) "we may invoke" template at module load; operator override now writes an audit row before any further dispatch. Apr 30, 2025 · v1.1.0Moved cease-request gate from intake-time check to per-dispatch check so a request landing mid-relationship halts outbound activity cleanly. Oct 21, 2024 · v1.0.0Initial codification — intake-time gate + locked exception notice template.
TCPA	`47 C.F.R. § 64.1200(c)(1) (c)(1)`	Telephonic contact — call window 8 a.m. to 9 p.m. consumer local	Federal	November 4, 2024	v1.3.0	May 30, 2026 · v1.3.0Closed the "operator local clock" override — a manual late-call now requires a typed reason that lands in the audit row before dispatch. Aug 12, 2025 · v1.2.0Resolved timezone at scheduling time against the matter address deliverability record (not the firm TZ) so a relocator is hit cleanly across DST transitions. Nov 4, 2024 · v1.0.0Initial codification — 8 a.m.–9 p.m. local consumer-time dispatch gate.
TCPA	`47 U.S.C. § 227(b)(3) (b)(3)`	Revocation of prior express consent — TCPA opt-out	Federal	November 4, 2024	v1.2.0	Jan 14, 2026 · v1.2.0Re-affirmed post-Hall v. Smosh posture — once revocation lands, subsequent dials accrue $500–$1,500 per call as standalone violations; enforcement sample updated accordingly. Jul 22, 2025 · v1.1.0Added in-app revoke intake as a recognized revocation channel; "STOP" SMS keyword routed to the same flag. Nov 4, 2024 · v1.0.0Initial codification — 10-business-day revocation closure + per-channel recognition of opt-out signals.
FDCPA	`15 U.S.C. § 1692g(b) (b)`	30-day written dispute window — verification obligation	Federal	December 2, 2024	v1.3.0	Aug 24, 2026 · v1.3.0Removed the § 1692g(d) prose from this rule's enforcement and rationale — the cease-of-collection language now belongs to the standalone `fdcpa-1692g-d-cease-collection` row. This rule covers the § 1692g(b) verification obligation only (30-day dispute window + verification-upload path); the § 1692g(d) cease-of-collection obligation is its own rule so a cite of either subsection resolves cleanly to one rule. Mar 11, 2026 · v1.2.0Added the § 1692g(d) cease-of-collection stamp to every dispute reply so the hold-down projection lands in the audit row, not in operator memory. Sep 8, 2025 · v1.1.0Rebased the 30-day clock on § 1692g-notice-sent (rather than matter-open) to match CFPB query set used in 2025 enforcement. +1 earlier revisions
FDCPA	`15 U.S.C. § 1692g(d) (d)`	Cease-of-collection pending verification	Federal	August 24, 2026	v1.0.0	Aug 24, 2026 · v1.0.0Initial codification — cease-of-collection scoped to § 1692g(d) only. Distinguishes the rule from § 1692g(b) (verification obligation) and from § 1692c(c) (cease-communication upon written request). The brief referenced § 1692g(c) as a citation-scope note; the statutory authority sits at § 1692g(d).
FDCPA	`15 U.S.C. § 1692e (2), (3), (10), (13)`	False, deceptive, or misleading representations	Federal + State	February 18, 2025	v1.2.0	Jun 4, 2026 · v1.2.0Expanded § 1692e(13) draft-time check to include scheduled-court-date references; a named "court date" without a calendar entry now blocks dispatch. Aug 19, 2025 · v1.1.0Added "balance without per-component breakdown" prohibition so an asserted balance with no itemization is held pre-dispatch. Feb 18, 2025 · v1.0.0Initial codification — four § 1692e subsections ((2)(3)(10)(13)) as hard pre-dispatch checks.
FDCPA	`15 U.S.C. § 1692d (a), (b), (c), (d)`	Harassment, oppression, or abuse	Federal + State	February 18, 2025	v1.1.0	Jul 15, 2026 · v1.1.0Added a no-back-to-back-day cadence lock — two consecutive calendar-day touches with no operator flag now log a § 1692d(b) draft-time refusal. Sep 29, 2025 · v1.0.0Initial codification — one-touch-per-day cap + lexicon harassment band pre-dispatch check.
Reg. F	`12 C.F.R. § 1006.34 (a)(1)(ii), (b)(3)`	Reg F validation notice — 30-day dispute window (Model Form B-1)	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — 30-day receipt-based validation period + § 1006.34(b)(3) cease-of-collection, with the B-1 itemization date retained as a product workflow anchor.
Reg. F	`12 C.F.R. Part 1006, App. B Model Form B-1`	Model Form B-1 — Reg F validation-notice safe harbor	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — Model Form B-1 layout as the rendering literal for the post-demo validation artifact.
Reg. F	`12 C.F.R. § 1006.34 (b)(4)`	Identification of the original creditor	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — current/original creditor identity block on the Model Form B-1 render.
Reg. F	`12 C.F.R. § 1006.34 (b)(7)`	Failure to dispute is not an admission of liability	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — no-admission element rendered verbatim from the locked disclosure string.
Reg. F	`12 C.F.R. § 1006.18 (b), (c)`	Required disclosures on initial communication with the consumer	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — § 1006.18(b)/(c) Mini-Miranda block paired with the § 1692e(11) row on the source map so a single artifact satisfies both anchors.
Reg. F	`12 C.F.R. § 1006.34 (b)(6)`	Itemization of the debt and current balance	Federal	August 22, 2026	v1.0.0	Aug 22, 2026 · v1.0.0Initial codification — hard itemization reconciliation as a pre-render assertion; zero deltaCents gates the artifact.
FCRA	`15 U.S.C. § 1681b (a)–(d)`	Permissible purpose for consumer reports	Federal	August 25, 2026	v1.0.0	Aug 25, 2026 · v1.0.0Q0 promotion — promote the v0.1.0 stub to v1.0.0: stamp the partner + effective-date onto the registry row, splice into the reviewer AI system-prompt (CITATION_HEADER_MAP canonical 15 USC §1681b(a), new fcra CATEGORY_OF_CITATION bucket, § 1681b STATUTE_BLOCKS entry, and a CHANNEL_EXAMPLES.letter omission example) so the rule now surfaces readers via /risk-scan + /letter-risk-audit. Rule status in the gate remains UNRESOLVED until a partner signs off — the promotion is a registry + AI-prompt correction, NOT a status flip. Aug 23, 2026 · v0.1.0Initial codification — § 1681b(a)–(d) enumerated purposes + § 1681b(b) certification requirement. Lands UNRESOLVED in the gate; surfaces read-only on /coverage/fcra until a partner signs it off.
Reg. F	`12 C.F.R. § 1006.38 (a)–(c)`	Reg F written-dispute procedure	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the synthetic disputes workflow.
Reg. F	`12 C.F.R. § 1006.14 (b)`	Reg F contact-frequency boundary	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the synthetic contact lane.
Reg. F	`12 C.F.R. § 1006.6 (d)(3)`	Reg F electronic-communication procedures	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the risk-scan time window.
TCPA	`47 U.S.C. § 227(c)(3) (c)(3)`	TCPA do-not-call restriction	Federal	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial centralized public citation entry for the synthetic TCPA lane.
State UDAP	`New York validation-window overlay (unverified)`	New York validation-window overlay	Federal + State	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial unverified safe-static entry; federal baseline remains controlling for the demo.
State UDAP	`California validation-window overlay (unverified)`	California validation-window overlay	Federal + State	August 29, 2026	v1.0.0	Aug 29, 2026 · v1.0.0Initial unverified safe-static entry; federal baseline remains controlling for the demo.

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