Debt Collection Requirements Are Changing – Get Ready!

By Paul Johnson, President CMS – Complete Mailing Solutions

As the result of a Federal Appellate Court decision, the Consumer Financial Protection Bureau is making changes to Regulation F (Debt Collection Practices), which implements the Fair Debt Collection Practices Act (FDCPA).  These changes will have dramatic impact on collection communications and will go into effect in November 2021. 

Debt Collection

The changes will directly impact how collection agencies can contact consumers for debt collection purposes.  Debt collectors will no longer be able to transmit information about consumer debtors to third-party mail houses for generating demand letters.   As a result, communications may need to be generated in-house.

What is the FDCPA?

The Fair Debt Collection Practices Act was initiated in 1977 to address unscrupulous practices among some debt collectors, such as harassment and deception, in collecting outstanding monies from consumers.  It gave consumers control over when and how debt collectors contacted them. It also established privacy protections surrounding the collection of debts as well as protection from certain practices.  This is the first change since 1977 for the FDCPA. The changes are designed, in part, to address newer communication technologies.

Who Is A Debt Collector?

We think of debt collectors as one specific type of business.  However, the FDCPA defines a debt collector as any business whose principal purpose is the collection of any debts or who regularly collect debts that are owed to another.  This interpretation would include attorneys or collection law firms, as well as collection agencies, debt buyers and loan servicers.

What Is Changing?

Many firms use a third-party, such as mail vendors to generate notices.  The new ruling restricts consumer information from being shared with third-party vendors. This would include mail houses, data-hosting services, insurance providers and property appraisers, among others.  Anything regarding a consumer’s debt may now be an FDCPA violation of an individual’s privacy.  To be in compliance, debt collectors and servicers will need to in-source many of the services they had previously outsourced.

What Are Your Options?

CMS offers a complete line of in-sourcing equipment and software to easily handle communications.  Contact us for more information – 303-761-0681 today.

Obviously, this is a very high-level summary of the new regulations. Of course, the new regulations include very specific requirements. For more detailed information go to: Regulations

Duplo HC-550i Cutter

Duplo’s DocuCutter HC-550i hydraulic cutter brings ease and accuracy to your high volume finishing jobs.  It effortlessly cuts through paper stacks up to 21.6″ wide and perfect bound books up to 3.5″ high.  The HC-550i features hydraulic clamping and cutting, dual palm cut buttons and an LED cut light for cutting accuracy.  Barcode-enabled, the HC550i…


VERSATILE ENVELOPE PRINTER Quadient’s (formerly Neopost) AS150 printer is the ideal solution for printing small media and addresses, barcodes and graphics on envelopes. Clear prompts and one-touch controls make jobs easy to set up.  Once running, the integrated feeder allows you to refill envelopes on the fly, without interruption.  The As150 printer has a print…

Duplo DPC400 Die Cutter

DPC400 – AFFORDABLE “DIE-LESS” CUTTING Duplo’s DPC400 Die Cutter machine is an affordable and versatile solution.  It’s ideal for short-run applications such as custom-shaped cards, labels, stickers, and packaging.  Plus, no need for physical dies! Using a flatbed table and digital cutting technology, the DPC400 kiss cuts, scores and perfs a range of materials.  Choose…

IX-7 SMART Series

DYNAMIC. ROBUST. SMART. Quadient’s NEW IX-7 mailing system with S.M.A.R.T. software, provides powerful mailing and shipping capabilities to businesses with mid and high-level volumes.  The IX-7 meets the latest in USPS requirements for data security using the Intelligent Mail Indicia (IMI) and Dimensional Weighing (DIM). Its slim design, user-friendly color touchscreen, and processing speeds of…


ROBUST. DYNAMIC. FLEXIBLE. Quadient’s new IX-7 mailing system, brings powerful capabilities to any mail room.  Designed to address the most demanding needs, the IX-7 meets the latest in USPS requirements for data security using the Intelligent Mail Indicia (IMI) and Dimensional Weighing (DIM). Its slim design, user-friendly color touchscreen, and processing speeds of up to…


SIMPLE. EFFICIENT. FLEXIBLE Quadient’s NEW IX-5 Series Mail machine with Neostats and Neoship takes your mailing operations to a new level. Ideal for mid-level businesses, the IX-5 has an easy-to-use control panel and color display.  The system meets the latest in USPS requirements, including the latest Intelligent Mail Indicia (IMI) and Dimensional Weighing.  Coupled with…


SIMPLE. EFFICIENT. SMART Quadient’s NEW IX5 Series mailing system is an easy-to-use solution for all your mailing needs.  Ideal for a mid-level mail volumes up to 75 lpm, the IX-5’s contemporary design features a color touch screen and easy-to-use control panel.  The system meets the latest USPS Intelligent Mail Indicia (IMI) and Dimensional Weighing (DIM)…

DF1300 Air Suction Folder

FAST VERSATILE AIR SUCTION FOLDER Duplo’s new DF1300 tabletop folder is an easy-to-use, high speed solution for folding digitally printed material.  A great option for folding standard materials such as brochures and menus, the DF1300 boasts speeds up to 310 sheets per minute.  Six pre-programmed fold styles and 30 job memories for custom folds makes…

UD310 Rotary Die Cutter

VERSATILE DIE CUTTING SOLUTION Duplo’s UD-310 Rotary Die Cutter provides on-demand, high speed die-cutting capabilities from business cards to packaging, labeling and invitations.  Flexible dies allow for a range of finishing options, including intricate shapes, kiss cuts, perforations with specified teeth and three-knife creasing at processing speeds up to 4,000 sheets per hour.  The UD-310…