Regulation F and Electronic Communications
In November 2021, the CFPB's Regulation F (12 CFR Part 1006) updated the FDCPA rules for the digital age. Collectors can now contact you via text message, email, and social media direct messages -- but with significant restrictions. Every electronic message must include a clear opt-out mechanism, and you can opt out of any specific communication channel at any time.
Stopping Text Messages
If a collector is texting you, reply with a clear opt-out (e.g., "STOP" or "Do not text me again"). Under Regulation F, the collector must honor this. For stronger protection, send a written cease and desist letter that specifically mentions text messages. Keep screenshots of all texts as evidence.
Email Collection Rules
Collectors can email you, but each email must include an opt-out link or instructions. If you opt out of email, they must stop within a reasonable time (generally interpreted as 3-5 business days). The collector cannot email you at a work email address if you tell them your employer prohibits it.
Social Media Restrictions
Collectors can send you private/direct messages on social media, but they cannot post publicly about your debt on your social media profiles, comment on your posts, or contact your friends and family through social media. Any social media message must identify the sender as a debt collector and include opt-out instructions.
Building Your Digital Paper Trail
Screenshots, saved emails, and text message logs are powerful evidence if a collector violates the rules. Use your phone's built-in screenshot function, save emails to a dedicated folder, and note the date and time of every contact. This evidence supports both FDCPA complaints and potential lawsuits.
Frequently Asked Questions
Can a debt collector contact me on Facebook?
A collector can send you a private message on social media, but cannot post about your debt publicly or contact your friends. The message must identify them as a debt collector and include an opt-out option.
How do I stop collection texts?
Reply STOP to the text message, then follow up with a written cease and desist letter via certified mail. The written letter provides the strongest legal protection.
Can collectors leave voicemails?
Yes, but voicemails must comply with FDCPA rules -- no disclosure of the debt to third parties. A limited-content message (name, phone number, no mention of debt) is permitted. You can include voicemails in your cease and desist.
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