Collector - April 2021 - 22

T

Feature Headline

he Consumer Financial Protection Bureau's final
rule (Regulation F) provides welcome guidance on
email communications with consumers. And while
it certainly doesn't solve every problem facing the industry
when it comes to email, there's no doubt that for debt
collectors who want to communicate with consumers via this
medium, the rule provides some direction.
This three-part series will provide a breakdown of the final
rule's " safe harbor " email procedures, which will be codified
at 12 C.F.R. Section 1006.6(d)(3) and (d)(4)(i)-(iii). Here, we
cover the general principles, requirements and prohibitions
that apply to all emails sent under the Reg F " safe harbor "
email procedures.
Debt collectors should note that the CFPB used Reg F to
give consumers the power of choice. With respect to email, this
means consumers have the power to expressly or impliedly opt
in to email communications to certain email addresses. By the
same token, as discussed below, the CFPB has required debt
collectors to include in every email communication a clear
and conspicuous, reasonable and simple method by which the
consumer can opt out of continued communications to that
email address.

BIG PRINCIPLE: THE SO-CALLED " SAFE HARBOR "
As part of the electronic communications provisions in Reg
F, the CFPB has provided a " safe harbor " to protect debt
collectors in the event of inadvertent third-party disclosures
when using email in accordance with the three sets of email
safe harbor procedures.
But debt collectors need to know up front that this isn't a
true safe harbor.
Rather, as the CFPB states in a footnote at the beginning
of the October final rule, the so-called safe harbor for
emails merely provides that a debt collector who uses the
email procedures specified in the rule " may have bona fide
error defense to civil liability " under Fair Debt Collection
Practices Act Section 813(c), codified at 15 U.S.C. 1692k(c).
Accordingly, " for ease of reference, " the bureau refers to these
email procedures as " safe harbor procedures. "
So it's important to understand that the Reg F " safe harbor "
email procedures provide limited cover only for inadvertent
third-party disclosures-i.e., only for inadvertent violations
of FDCPA Section 805(b), codified at 15 U.S.C. 1692c(b)-
that may occur when communicating with a consumer via
email. That's it.
To take advantage of the limited bona fide error protection
that the Reg F " safe harbor " email procedures offer, a debt
collector must adopt its own procedures to " reasonably
confirm and document " the debt collector's compliance with

22

DEK
Byline
Regulation F covers
email communications
with consumers. In
this first article of
a three-part series,
we break down the
relevant provisions.
One big takeaway: the
" safe harbor " email
procedures only
provide limited cover
for debt collectors.

ACAINTERNATIONAL.ORG


http://www.ACAINTERNATIONAL.ORG

Collector - April 2021

Table of Contents for the Digital Edition of Collector - April 2021

Collector - April 2021 - Cover1
Collector - April 2021 - Cover2
Collector - April 2021 - 1
Collector - April 2021 - 2
Collector - April 2021 - 3
Collector - April 2021 - 4
Collector - April 2021 - 5
Collector - April 2021 - 6
Collector - April 2021 - 7
Collector - April 2021 - 8
Collector - April 2021 - 9
Collector - April 2021 - 10
Collector - April 2021 - 11
Collector - April 2021 - 12
Collector - April 2021 - 13
Collector - April 2021 - 14
Collector - April 2021 - 15
Collector - April 2021 - 16
Collector - April 2021 - 17
Collector - April 2021 - 18
Collector - April 2021 - 19
Collector - April 2021 - 20
Collector - April 2021 - 21
Collector - April 2021 - 22
Collector - April 2021 - 23
Collector - April 2021 - 24
Collector - April 2021 - 25
Collector - April 2021 - 26
Collector - April 2021 - 27
Collector - April 2021 - 28
Collector - April 2021 - 29
Collector - April 2021 - 30
Collector - April 2021 - 31
Collector - April 2021 - 32
Collector - April 2021 - 33
Collector - April 2021 - 34
Collector - April 2021 - 35
Collector - April 2021 - 36
Collector - April 2021 - 37
Collector - April 2021 - 38
Collector - April 2021 - 39
Collector - April 2021 - 40
Collector - April 2021 - 41
Collector - April 2021 - 42
Collector - April 2021 - 43
Collector - April 2021 - 44
Collector - April 2021 - 45
Collector - April 2021 - 46
Collector - April 2021 - 47
Collector - April 2021 - 48
Collector - April 2021 - Cover3
Collector - April 2021 - Cover4
http://online.collector.com/collectormagazine/202104
http://online.collector.com/collectormagazine/202103
http://online.collector.com/collectormagazine/202102
http://online.collector.com/collectormagazine/202101
http://online.collector.com/collectormagazine/202012
http://online.collector.com/collectormagazine/202011
http://online.collector.com/collectormagazine/202010
http://online.collector.com/collectormagazine/202009
http://online.collector.com/collectormagazine/202008
http://online.collector.com/collectormagazine/202007
http://online.collector.com/collectormagazine/202006
http://online.collector.com/collectormagazine/202005
http://online.collector.com/collectormagazine/202004
http://online.collector.com/collectormagazine/202003
http://online.collector.com/collectormagazine/202002
http://online.collector.com/collectormagazine/202001
http://online.collector.com/collectormagazine/201912
http://online.collector.com/collectormagazine/201911
http://online.collector.com/collectormagazine/201910/
http://online.collector.com/collectormagazine/201909/
http://online.collector.com/collectormagazine/201908/
http://online.collector.com/collectormagazine/201907/
http://online.collector.com/collectormagazine/201906/
http://online.collector.com/collectormagazine/201905/
http://online.collector.com/collectormagazine/201904/
http://online.collector.com/collectormagazine/201903/
http://online.collector.com/collectormagazine/201902/
http://online.collector.com/collectormagazine/201901/
http://online.collector.com/collectormagazine/201812/
http://online.collector.com/collectormagazine/201811/
http://online.collector.com/collectormagazine/201810/
http://online.collector.com/collectormagazine/201809/
http://online.collector.com/collectormagazine/201808/
http://online.collector.com/collectormagazine/201807/
http://online.collector.com/collectormagazine/201806/
http://online.collector.com/collectormagazine/201805/
http://online.collector.com/collectormagazine/201804/
http://online.collector.com/collectormagazine/201803/
http://online.collector.com/collectormagazine/201802/
http://online.collector.com/collectormagazine/201801/
http://online.collector.com/collectormagazine/201712/
http://online.collector.com/collectormagazine/201711/
http://online.collector.com/collectormagazine/201710/
http://online.collector.com/collectormagazine/201709/
http://online.collector.com/collectormagazine/201708/
http://online.collector.com/collectormagazine/201707/
http://online.collector.com/collectormagazine/201706/
http://online.collector.com/collectormagazine/201705/
http://online.collector.com/collectormagazine/201704/
http://online.collector.com/collectormagazine/201703/
http://online.collector.com/collectormagazine/201702/
http://online.collector.com/collectormagazine/201701/
http://online.collector.com/collectormagazine/201612/
http://online.collector.com/collectormagazine/201611/
http://online.collector.com/collectormagazine/201610/
http://online.collector.com/collectormagazine/201609/
http://online.collector.com/collectormagazine/201608/
http://online.collector.com/collectormagazine/201607/
http://online.collector.com/collectormagazine/201606/
http://online.collector.com/collectormagazine/201605/
http://online.collector.com/collectormagazine/201604/
http://online.collector.com/collectormagazine/201603/
http://online.collector.com/collectormagazine/201602/
http://online.collector.com/collectormagazine/201601/
http://online.collector.com/collectormagazine/201512/
http://online.collector.com/collectormagazine/201511/
http://online.collector.com/collectormagazine/201510/
http://online.collector.com/collectormagazine/201509/
http://online.collector.com/collectormagazine/201508/
http://online.collector.com/collectormagazine/201507/
https://www.nxtbookmedia.com