Mini-Miranda debt-collector disclosure
15 U.S.C. § 1692e(11)Plain English
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).
How SettleUp Collections enforces
The gate applies the full Mini-Miranda block to the initial written communication with the consumer and, when the first communication is oral, to that initial oral communication. Subsequent communications carry the shorter statement that the communication is from a debt collector. Communications with third parties follow the separate § 1692c(b) and Regulation F rules and do not make prior contact with the consumer a prerequisite for this § 1692e(11) disclosure.
Why this rule is in the library
Section 1692e(11) is the statutory home for the Mini-Miranda disclosure within the FDCPA’s broader prohibition on false, deceptive, or misleading representations. Its wording distinguishes the initial written communication, the initial oral communication when applicable, and subsequent communications: the first two carry the debt-collection purpose disclosure, while later communications identify the sender as a debt collector. Section 1692c(b) and Regulation F § 1006.6 address separate communication and location-information boundaries; neither changes the § 1692e(11) consumer-communication sequence or makes prior consumer contact a condition of the Mini-Miranda rule. SettleUp Collections pre-inserts the approved `MINI_MIRANDA` block and audits print, voicemail, email, and text drafts against the initial-versus-subsequent communication state before any human review or dispatch decision.