{"data":{"id":"us/12-cfr-1006.100","jurisdiction":"us","citation":"12 CFR 1006.100","heading":"Record retention.","body":"(a) In general. Except as provided in paragraph (b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt collector's last collection activity on the debt.\n(b) Special rule for telephone call recordings. If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1006—DEBT COLLECTION PRACTICES (REGULATION F)","Subpart D—Miscellaneous"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"9429c25d439a826dd8f4963ee6ff8525ef355ef2a851d929aac93b96cc0783b5","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1006.42","next":"us/12-cfr-1006.104"},"notice":"GroundRules: Original legal text. Not legal advice."}