Definition
A limited-content message is a voicemail defined in Regulation F (12 CFR 1006.2(j)) that, if it contains only the permitted content, is not treated as a "communication" under the FDCPA and therefore does not constitute a third-party disclosure if someone else hears it. It must include a business name for the collector that does not indicate debt collection, a request that the consumer reply, the name of one or more natural persons the consumer can contact, and a telephone number. It may optionally include a salutation, the date and time, suggested reply times, and a statement that the consumer may speak to any representative.
The message may not mention the debt, the creditor, an account number, or any other content. Limited-content messages are available only for voicemail; the definition does not extend to texts or emails.
Example
"This is Maria Chen calling for Jordan Lee. Please call me back at 800-555-0147 between 9 a.m. and 6 p.m. Eastern. Thank you." This qualifies. Adding "regarding your Capital One account" would not.
How HL Hunt handles it
HL Hunt's voicemail drops use only pre-approved limited-content scripts, count each attempt toward Reg F call frequency, and never include debt details. The voice agent falls back to a limited-content message automatically when a call is unanswered.