12 CFR §1006.14 — Harassing, oppressive, or abusive conduct
Regulation F §1006.14 (implementing FDCPA section 806) prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Verbatim regulatory text
Verbatim provisions from 12 CFR §1006.14 — Harassing, oppressive, or abusive conduct — 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 §1006.14(a) — General prohibition on harassing, oppressive, or abusive conduct
(a) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt , including, but not limited to, the conduct described in paragraphs (b) through (h) of this section.
12 CFR §1006.14(b)(1) — Repeated or continuous telephone calls with intent to annoy, abuse, or harass
(b) Repeated or continuous telephone calls or telephone conversations —(1) In general. In connection with the collection of a debt , a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
12 CFR §1006.14(b)(2)(i) — Presumption of compliance: 7-in-7 / 7-day-after-conversation telephone call frequencies
(i) Subject to the exclusions in paragraph (b)(3) of this section, a debt collector is presumed to comply with paragraph (b)(1) of this section and FDCPA section 806(5) ( 15 U.S.C. 1692d(5) ) if the debt collector places a telephone call to a particular person in connection with the collection of a particular debt neither:
12 CFR §1006.14(c) — Prohibition on violence or other criminal means
(c) Violence or other criminal means. In connection with the collection of a debt , a debt collector must not use or threaten to use violence or other criminal means to harm the physical person , reputation, or property of any person .
12 CFR §1006.14(d) — Prohibition on obscene or profane language
(d) Obscene or profane language. In connection with the collection of a debt , a debt collector must not use obscene or profane language, or language the natural consequence of which is to abuse the hearer or reader.
12 CFR §1006.14(g) — Meaningful disclosure of identity on telephone calls
(g) Meaningful disclosure of identity. In connection with the collection of a debt , a debt collector must not place telephone calls without meaningfully disclosing the caller's identity, except as provided in § 1006.10 .
12 CFR §1006.14(h)(1) — Prohibition on communicating through a medium the person has requested not be used
(h) Prohibited communication media —(1) In general. In connection with the collection of any debt , a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person .