[20210203]IN11590_CFPB最终确定了两项新的债务催收规定.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i CFPB Finalizes Two New Debt Collection Regulations February 3, 2021 The Consumer Financial Protection Bureau (CFPB) recently finalized two new regulations to implement the Fair Debt Collection Practices Act (FDCPA; 15 U.S.C. 1692-1692f), which seeks to “eliminate abusive debt collection practices by debt collectors.” On November 30, 2020, the CFPB issued a final rule on how debt collectors may communicate with consumers. On January 19, 2020, the CFPB published a second rule clarifying what information debt collectors must disclose to consumers. This Insight provides an overview of the debt collection market and its regulation and analyzes major parts of the CFPBs two new rules. For more information about debt collection, see CRS Report R46477, The Debt Collection Market and Selected Policy Issues, by Cheryl R. Cooper. Debt Collection Market and Regulation When a consumer defaults on a debt, a third-party debt collector often collects the debt obligation rather than the original lender. Lenders contract with debt collectors to collect their debts. The U.S. debt collection market is large and impacts many c