{"data":{"id":"us/12-cfr-1006.26","jurisdiction":"us","citation":"12 CFR 1006.26","heading":"Collection of time-barred debts.","body":"(a) Definitions. For purposes of this section:\n(1) Statute of limitations means the period prescribed by applicable law for bringing a legal action against the consumer to collect a debt.\n(2) Time-barred debt means a debt for which the applicable statute of limitations has expired.\n(b) Legal actions and threats of legal actions prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. This paragraph (b) does not apply to proofs of claim filed in connection with a bankruptcy proceeding.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1006—DEBT COLLECTION PRACTICES (REGULATION F)","Subpart B—Rules for FDCPA Debt Collectors"],"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":"6944be5d5b08351e4cfc248bd6a12e4497dea0d21f10c4999b9bef995b3f42b9","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1006.22","next":"us/12-cfr-1006.30"},"notice":"GroundRules: Original legal text. Not legal advice."}