Rules enacted during the Trump administration have finally taken effect, giving debt collectors the ability to reach people via digital means.
last year that new rules were needed for “a debt collection system that works for consumers and industry in the modern world.”
Linda Sherry, a spokesperson for the advocacy group Consumer Action, said the prospect of debt collection via electronic messages may make it challenging for people “to tell whether it’s a real debt collector or a scammer.” I asked the under-new-management CFPB if there’s any discussion at the agency about revising or rescinding the Trump-era rules. No one got back to me.
Under the new rules, a collector reaching out via electronic means must clearly identify itself and its purpose, and must specify how the collector can be reached with any questions or disputes.
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