12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention
12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB), §1006.100 Record retention. Captured section-complete (all subsections verbatim).
Verbatim regulatory text
Verbatim provisions from 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention — 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.
12 CFR §1006.100(a)
(a) In general. Except as provided in paragraph (b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt collector's last collection activity on the debt.
12 CFR §1006.100(b)
(b) Special rule for telephone call recordings. If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.
Operationalizing 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.100 — Record retention
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.
Source of record: https://claudeforcompliance.com/regs/reg-f-1006-100/
· register reg-f-1006-100 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.