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New Debt Collection Rule to Take Effect November 30, 2021

Caren Enloe
Caren Enloe | Smith Debnam

Caren Enloe leads Smith Debnam’ s consumer financial services litigation and compliance group. Caren defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws.

On-Demand: December 8, 2021

$95.00 1 hour CLE

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Program Summary

On November 30, 2021, the CFPB’s long awaited debt collection rule takes effect. This program will explore sweeping Regulation F and its effects on communications and consumer disclosures, as well as the other changes you need to know.

Key topics to be discussed:

  • Communications under Regulation F, including the use of 21st Century Technologies and Safe Harbors
  • Call Frequency Limitations implemented by Regulation F
  • Changes to the validation notice
  • Other Changes

Date: July 7, 2022

Closed-captioning available

Speakers

Caren Enloe_Smith Debnam_myLawCLECaren Enloe | Smith Debnam

Caren Enloe leads Smith Debnam’ s consumer financial services litigation and compliance group. Caren defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws. Caren also advises fintech companies, law firms and collection agencies regarding an array of consumer finance issues.

Caren is an active trade group participant. She currently serves as chair of the Debt Collection Practices and Bankruptcy subcommittee for the American Bar Association’ s Consumer Financial Services committee and as co-chair of the National Creditors Bar Association’ s Bankruptcy Committee. She additionally is a member of the Defense Bar for the National Creditors Bar Association, the North Carolina State Chair for ACA International’ s Member Attorney Program and a member of the Bank Counsel Committee of the North Carolina Bankers Association. She also currently serves on the Governing Committee for the Conference on Consumer Finance Law. In 2018, Ms. Enloe was named one of the “20 Most Powerful Women in Collections” by Collection Advisor, a national trade publication.

An active writer and speaker, Caren oversees a blog dedicated to consumer financial services and has been published in a number of publications including the ABA’ s Business Law Journal, Journal of Taxation and Regulation of Financial Institutions, California State Bar Business Law News, Banking and Financial Services Policy Report and Carolina Banker. Caren recently co-authored an article on the Debt Collection Rulemaking which is expected to be published in the American Bar Association’ s The Business Lawyer in early 2022.

Agenda

I. Overview | 2:00 pm – 2:15 pm
II. Communications | 2:15 pm – 2:30 pm

1. Limited Content Messages
2. Call Frequency Limitations
3. Use of modern-day technologies

III. Debt Validation Notice | 2:30 pm – 2:45 pm

1. New definitions
2. Mandatory disclosures
3. Optional disclosures
4. Safe Harbors

IV. Other Changes You Need to Know | 2:45 pm – 3:00 pm

1. Time Barred Debt
2. Credit Reporting
3. Transfer of Debt

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