├── print ├── cfpb_model-debt-collection-validation-notice.docx ├── cfpb_model-debt-collection-validation-notice.indd ├── cfpb_model-debt-collection-validation-notice.pdf ├── cfpb_debt-collection_model-validation-notice_en.docx ├── cfpb_debt-collection_model-validation-notice_en.indd ├── cfpb_debt-collection_model-validation-notice_en.pdf ├── cfpb_debt-collection_model-validation-notice_es.docx ├── cfpb_debt-collection_model-validation-notice_es.indd └── cfpb_debt-collection_model-validation-notice_es.pdf ├── TERMS.md ├── README.md └── LICENSE /print/cfpb_model-debt-collection-validation-notice.docx: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_model-debt-collection-validation-notice.docx -------------------------------------------------------------------------------- /print/cfpb_model-debt-collection-validation-notice.indd: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_model-debt-collection-validation-notice.indd -------------------------------------------------------------------------------- /print/cfpb_model-debt-collection-validation-notice.pdf: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_model-debt-collection-validation-notice.pdf -------------------------------------------------------------------------------- /print/cfpb_debt-collection_model-validation-notice_en.docx: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_debt-collection_model-validation-notice_en.docx -------------------------------------------------------------------------------- /print/cfpb_debt-collection_model-validation-notice_en.indd: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_debt-collection_model-validation-notice_en.indd -------------------------------------------------------------------------------- /print/cfpb_debt-collection_model-validation-notice_en.pdf: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_debt-collection_model-validation-notice_en.pdf -------------------------------------------------------------------------------- /print/cfpb_debt-collection_model-validation-notice_es.docx: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_debt-collection_model-validation-notice_es.docx -------------------------------------------------------------------------------- /print/cfpb_debt-collection_model-validation-notice_es.indd: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_debt-collection_model-validation-notice_es.indd -------------------------------------------------------------------------------- /print/cfpb_debt-collection_model-validation-notice_es.pdf: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/cfpb/debt-collection-files/HEAD/print/cfpb_debt-collection_model-validation-notice_es.pdf -------------------------------------------------------------------------------- /TERMS.md: -------------------------------------------------------------------------------- 1 | As a work of the United States Government, this package (excluding any 2 | exceptions listed below) is in the public domain within the United States. 3 | Additionally, we waive copyright and related rights in the work worldwide 4 | through the [CC0 1.0 Universal public domain dedication][CC0]. 5 | 6 | Software source code previously released under an open source license and then 7 | modified by CFPB staff or its contractors is considered a "joint work" 8 | (see 17 USC § 101); it is partially copyrighted, partially public domain, 9 | and as a whole is protected by the copyrights of the non-government authors and 10 | must be released according to the terms of the original open-source license. 11 | Segments written by CFPB staff, and by contractors who are developing software 12 | on behalf of CFPB are also in the public domain, and copyright and related 13 | rights for that work are waived through the CC0 1.0 Universal dedication. 14 | 15 | For further details, please see the CFPB [Source Code Policy][policy]. 16 | 17 | 18 | ## CC0 1.0 Universal Summary 19 | 20 | This is a human-readable summary of the [Legal Code (read the full text)][CC0]. 21 | 22 | ### No Copyright 23 | 24 | The person who associated a work with this deed has dedicated the work to 25 | the public domain by waiving all of his or her rights to the work worldwide 26 | under copyright law, including all related and neighboring rights, to the 27 | extent allowed by law. 28 | 29 | You can copy, modify, distribute and perform the work, even for commercial 30 | purposes, all without asking permission. See Other Information below. 31 | 32 | ### Other Information 33 | 34 | In no way are the patent or trademark rights of any person affected by CC0, 35 | nor are the rights that other persons may have in the work or in how the 36 | work is used, such as publicity or privacy rights. 37 | 38 | Unless expressly stated otherwise, the person who associated a work with 39 | this deed makes no warranties about the work, and disclaims liability for 40 | all uses of the work, to the fullest extent permitted by applicable law. 41 | When using or citing the work, you should not imply endorsement by the 42 | author or the affirmer. 43 | 44 | [policy]: https://github.com/cfpb/source-code-policy/ 45 | [CC0]: http://creativecommons.org/publicdomain/zero/1.0/legalcode 46 | -------------------------------------------------------------------------------- /README.md: -------------------------------------------------------------------------------- 1 | This repository contains native design files for Model Form B-1 in appendix B 2 | to Regulation F as finalized in the December 2020 Debt Collection Rule. 3 | This model form is referred to as the model validation notice. 4 | 5 | 6 | ## About the debt collection rule 7 | 8 | On December 18, 2020, the Bureau issued amendments to Regulation F, 9 | 12 CFR part 1006 (December 2020 Rule), 10 | which implements the Fair Debt Collection Practices Act (FDCPA). 11 | Regulation F prescribes Federal rules governing the activities of 12 | debt collectors, as that term is defined in the FDCPA. 13 | The December 2020 Rule, among other things, clarifies the information that 14 | debt collectors must provide to a consumer 15 | at the outset of debt collection communications and 16 | provides a model validation notice containing such information. 17 | Model Form B-1 in appendix B is the model validation notice that 18 | debt collectors may use to comply with the 19 | information and form requirements of § 1006.34(c) and (d)(1). 20 | 21 | The December 2020 Rule, including use of Model Form B-1, 22 | is effective November 31, 2021. 23 | 24 | Read more about the rule in our 25 | [press release](https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-issues-final-rule-on-consumer-disclosures-related-to-debt-collection/) 26 | and at 27 | [consumerfinance.gov](https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/debt-collection/). 28 | 29 | 30 | ## Source files 31 | 32 | The Bureau is providing the native design files of the model validation notice 33 | to facilitate compliance with the December 2020 Rule. 34 | 35 | ### English 36 | 37 | | Source file | Preview | 38 | -- | -- | 39 | | [InDesign](https://github.com/cfpb/debt-collection-files/blob/gh-pages/print/cfpb_debt-collection_model-validation-notice_en.indd) | [PDF](https://github.com/cfpb/debt-collection-files/blob/gh-pages/print/cfpb_debt-collection_model-validation-notice_en.pdf) | 40 | [Word](https://github.com/cfpb/debt-collection-files/blob/gh-pages/print/cfpb_debt-collection_model-validation-notice_en.docx) | 41 | 42 | ### Spanish 43 | 44 | | Source file | Preview | 45 | -- | -- | 46 | | [InDesign](https://github.com/cfpb/debt-collection-files/blob/gh-pages/print/cfpb_debt-collection_model-validation-notice_es.indd) | [PDF](https://github.com/cfpb/debt-collection-files/blob/gh-pages/print/cfpb_debt-collection_model-validation-notice_es.pdf) | 47 | [Word](https://github.com/cfpb/debt-collection-files/blob/gh-pages/print/cfpb_debt-collection_model-validation-notice_es.docx) | 48 | 49 | 50 | ## Contributing 51 | 52 | We welcome your contributions if any of the design templates 53 | we’ve provided aren’t working for you in any way. 54 | The best way to do this is to 55 | [file an issue](https://github.com/cfpb/debt-collection-files/issues/new) 56 | in this repository’s issue tracker. 57 | 58 | _N.B.: Due to the nature of what this repository provides, 59 | we are unlikely to accept suggestions or pull requests that 60 | significantly alter the format or content of what is provided._ 61 | 62 | 63 | ## Open source licensing info 64 | 65 | 1. 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