Regulation F, built into the platform.

Regulation F is the CFPB's implementation of the FDCPA, the first comprehensive rule in the statute's history. Its most discussed provision is the call frequency limit: a collector is presumed to violate the FDCPA by placing more than seven call attempts in seven consecutive days to a consumer about a particular debt, or by calling within seven days after having a telephone conversation about that debt. The limit is per debt, so a consumer with multiple debts may receive more total attempts, and it covers attempts, not just connections.

The rule also created a model validation notice that provides a safe harbor for content and format. It requires an itemization date and a breakdown of interest, fees, payments, and credits since that date, a tear-off dispute form, and the end date of the validation period. It permits electronic validation notices with procedures to ensure receipt. It clarified that collectors may text and email if they include clear opt-out instructions and follow procedures for determining that the address or number is appropriate, and it prohibits social media messages viewable by others.

The limited-content message is a voicemail that includes only the collector's business name (not indicating collection), a request to reply, a contact name and number, and optional elements, so that it is not a "communication" requiring disclosures and does not risk third-party disclosure. Finally, the rule prohibits furnishing to credit bureaus before communicating with the consumer, known as "passive collection," and prohibits suits and threats on time-barred debt. HL Hunt implements each of these as rules that run before every action, with records that satisfy examiners.