15 USC § 1692g — Validation of debts

fdcpa-15usc-1692g

FDCPA's debt validation notice requirement. Within 5 days after the initial communication, [LENDER] (in debt-collection capacity or under Reg F first-party overlay) shall send a written validation notice with five required content elements: debt amount, name of creditor, statement of 30-day dispute period and consequence, statement of verification right if disputed in writing, statement of right to original creditor name/address if requested in writing. If consumer disputes in writing within the 30-day period, [LENDER] shall cease collection until verification is obtained and mailed.

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source:
  type: regulation
  id: fdcpa-15usc-1692g
  authority: 15 USC § 1692g — Validation of debts
  description: |
    FDCPA's debt validation notice requirement. Within 5 days after the
    initial communication, [LENDER] (in debt-collection capacity or under
    Reg F first-party overlay) shall send a written validation notice
    with five required content elements: debt amount, name of creditor,
    statement of 30-day dispute period and consequence, statement of
    verification right if disputed in writing, statement of right to
    original creditor name/address if requested in writing. If consumer
    disputes in writing within the 30-day period, [LENDER] shall cease
    collection until verification is obtained and mailed.
obligations:
  - id: fdcpa-15usc-1692g-a-5-day-validation-notice
    canonical_id: fdcpa-15usc-1692g-a-5-day-validation-notice
    section: 15 USC § 1692g(a) — 5-day validation notice required content
    description: |
      Within five days after the initial communication with a consumer
      about a debt, [LENDER] (in debt-collection capacity or under Reg F
      first-party overlay) shall send the consumer a written notice
      containing: (1) the amount of the debt; (2) the name of the
      creditor to whom the debt is owed; (3) a statement that unless
      disputed within 30 days the debt is assumed valid; (4) a statement
      that if disputed in writing within 30 days, [LENDER] will obtain
      verification and mail it; and (5) a statement that on written
      request within 30 days, [LENDER] will provide the original
      creditor's name and address if different. Unless the same content
      was in the initial communication or the consumer has paid.
    type: do
    audit_question: For every initial communication subject to §1692g, can [LENDER] evidence that a validation notice with all five required content elements (1)-(5) was sent within 5 days, or that the equivalent content was in the initial communication?
    program_review: Do the P&Ps ensure that within 5 days after the initial communication a validation notice carrying all five §1692g(a)(1)–(5) content elements is sent, unless the same content was in the initial communication or the consumer has paid?
    file_review: Pull validation notices against the initial-communication date; confirm the 5-day timing and that all five content elements are present. Objective element/timing check.
    judgment: false
    feeds:
      - fdcpa-15usc-1692g-b-cease-collection-on-written-dispute
    workflow_phase: default_collections
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-initial-collection-communication
    consequence: FDCPA private right of action; CFPB Reg F enforcement.
    tags:
      - round-c
      - regulator-direct
      - fdcpa
      - servicing
      - validation-notice
      - promoted
    primary_source:
      tier: 1
      authority: 15 USC § 1692g(a)
      source_class: fdcpa-statute
      source_url: https://www.law.cornell.edu/uscode/text/15/1692g
      snapshot_id: db279b21d6868264
      fetched_at: '2026-05-24T19:33:25Z'
      content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
      paragraph_quote: |
        Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing
      drafter_attestation: |
        Copied verbatim from snapshot db279b21d6868264. Substring is the
        (a) operative 5-day notice rule; items (1)-(5) paraphrased in
        description.
    promoted_at: '2026-05-24T20:12:08+00:00'
    promoted_from: fdcpa-15usc-1692g-roundc-v1.yaml
  - id: fdcpa-15usc-1692g-b-cease-collection-on-written-dispute
    canonical_id: fdcpa-15usc-1692g-b-cease-collection-on-written-dispute
    section: 15 USC § 1692g(b) — Cease collection on written dispute within 30 days
    description: |
      If the consumer notifies [LENDER] in writing within the 30-day
      validation period that the debt (or any portion) is disputed, or
      requests the original creditor's name and address, [LENDER] shall
      cease collection until verification (or the requested info) is
      obtained and mailed to the consumer. Collection activities during
      the 30-day period that do not otherwise violate the FDCPA may
      continue, BUT may not overshadow or be inconsistent with the
      consumer's right to dispute disclosure.
    type: refrain
    audit_question: For every written dispute received within the 30-day validation period, can [LENDER] evidence (a) the dispute timestamp, (b) immediate cessation of collection, (c) verification obtained and mailed before resumption, and (d) that any continued 30-day-window collection did not overshadow the dispute right?
    program_review: Do the P&Ps facilitate intake of a written dispute or original-creditor request within the 30-day validation period so collection ceases until verification/info is obtained and mailed, and so any continued in-period collection does not overshadow the dispute right?
    file_review: 'Start with the notes: confirm the dispute timestamp, immediate cessation, and that verification was mailed before resumption. The compliance person judges whether any continued 30-day-window activity overshadowed the dispute disclosure.'
    judgment: true
    feeds: []
    workflow_phase: default_collections
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-dispute-event
    consequence: FDCPA private right of action; CFPB Reg F enforcement; overshadowing-violation case law exposure.
    tags:
      - round-c
      - regulator-direct
      - fdcpa
      - servicing
      - dispute-handling
      - cease-collection
      - promoted
    primary_source:
      tier: 1
      authority: 15 USC § 1692g(b)
      source_class: fdcpa-statute
      source_url: https://www.law.cornell.edu/uscode/text/15/1692g
      snapshot_id: db279b21d6868264
      fetched_at: '2026-05-24T19:33:25Z'
      content_hash: sha256:db279b21d6868264db279b21d6868264db279b21d6868264db279b21d6868264
      paragraph_quote: |
        the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor
      drafter_attestation: |
        Copied verbatim from snapshot db279b21d6868264. Substring is the
        (b) cease-collection operative clause.
    promoted_at: '2026-05-24T20:12:08+00:00'
    promoted_from: fdcpa-15usc-1692g-roundc-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-24T20:12:08+00:00'
    candidate_path: obligations\_remediation\round-c-type-a\fdcpa-15usc-1692g-roundc-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from 15 USC § 1692g — Validation of debts — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

15 USC § 1692g(a) — 5-day validation notice required content

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing

Source: 15 USC § 1692g(a) · source URL · snapshot db279b21d6868264

15 USC § 1692g(b) — Cease collection on written dispute within 30 days

the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor

Source: 15 USC § 1692g(b) · source URL · snapshot db279b21d6868264