Required disclosures on initial communication with the consumer
12 C.F.R. § 1006.18Plain English
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.
How SettleUp Collections enforces
The defer-to-litigation foot on the artifact carries the § 1006.18(b) Mini-Miranda disclosure verbatim. The artifact also carries the original-creditor disclosure (the B-1 chain-of-title row) the B-1 envelope expects; both surfaces use the same locked string.
Why this rule is in the library
Section 1006.18(b) is the Reg F implementation of § 1692e(11) — the Mini-Miranda. The Reg F copy is materially identical to the FDCPA tradition: a single sentence, in the same place on every medium, surfacing the identity of the sender, paired with the recipient's opt-out implication. The CFPB explicitly modeled the warning on the § 1692e(11) line so the safe harbor crossed the regulatory transition without a discontinuity for collectors who already shipped the language. SettleUp Collections carries the same § 1006.18(b) block from the same `MINI_MIRANDA` constant that the § 1692e(11) rule already uses so a partner audit can confirm the artifact satisfies both statutes by reading one row of the source map.