# Limited-content message — definition

> A limited-content message is a voicemail for a consumer that contains only the content Regulation F permits and, because it is defined not to be a "communication" in connection with debt collection, can be left without triggering the mini Miranda or risking a third-party disclosure.

- Source: https://ottoforfirms.com/glossary/limited-content-message/
- Publisher: Otto — https://ottoforfirms.com
- Updated: 2026-07-26
- Status: in attorney review. Served noindex and excluded from the sitemap; do not cite as settled.

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**Limited-content message** — A limited-content message is a voicemail for a consumer that contains only the content Regulation F permits and, because it is defined not to be a "communication" in connection with debt collection, can be left without triggering the mini Miranda or risking a third-party disclosure.

Section 1006.2(j)(1) requires four elements: a business name that does not indicate the debt collection business, a request that the consumer reply, the name or names of one or more natural persons the consumer can contact, and a reply telephone number. Section 1006.2(j)(2) permits four optional additions — a salutation, the date and time of the message, suggested reply times, and a statement that the consumer may speak to any of the company's representatives. Adding anything else converts it into a communication, which reinstates § 1006.18(e) disclosure duties and the § 1692c(b) third-party problem if someone else hears it; a limited-content message still counts as an attempt to communicate for call-frequency purposes.

## Primary sources

1. [12 C.F.R. § 1006.2(j)](https://www.law.cornell.edu/cfr/text/12/1006.2)

## See also

- [Mini Miranda](https://ottoforfirms.com/glossary/mini-miranda/)
- [7-in-7](https://ottoforfirms.com/glossary/seven-in-seven/)
- [Right-party contact](https://ottoforfirms.com/glossary/right-party-contact/)

## Where this appears

- [What Is Regulation F (12 CFR Part 1006), and What Did It Add to the FDCPA?](https://ottoforfirms.com/compliance/regulation-f/)

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