12 CFR §1006.18 — False, deceptive, or misleading representations or means
Regulation F §1006.18 (implementing FDCPA section 807) prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, and requires the debt-collector identity disclosures in initial and subsequent communications.
Verbatim regulatory text
Verbatim provisions from 12 CFR §1006.18 — False, deceptive, or misleading representations or means — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
12 CFR §1006.18(a) — General prohibition on false, deceptive, or misleading representations
(a) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt , including, but not limited to, the conduct described in paragraphs (b) through (d) of this section.
12 CFR §1006.18(b)(2)(i) — Prohibition on falsely representing the character, amount, or legal status of any debt
(i) The character, amount, or legal status of any debt .
12 CFR §1006.18(b)(3) — Prohibition on threatening arrest, imprisonment, seizure, garnishment, attachment, or sale of property unless lawful and intended
(3) A debt collector must not represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
12 CFR §1006.18(c)(1) — Prohibition on threatening any action that cannot legally be taken or is not intended to be taken
(1) Threaten to take any action that cannot legally be taken or that is not intended to be taken.
12 CFR §1006.18(e)(1) — Required "mini-Miranda" disclosure in initial communication
(e) Disclosures required —(1) Initial communications. A debt collector must disclose in its initial communication with a consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. If the debt collector 's initial communication with the consumer is oral, the debt collector must make the disclosure required by this paragraph again in its initial written communication with the consumer .
12 CFR §1006.18(e)(2) — Required disclosure in subsequent communications
(2) Subsequent communications. In each communication with the consumer subsequent to the communications described in paragraph (e)(1) of this section, the debt collector must disclose that the communication is from a debt collector .