# 7-in-7 — definition

> 7-in-7 is the Regulation F telephone-frequency rule under which a debt collector is presumed to comply with the FDCPA's harassment prohibition if it places no more than seven calls to a particular person about a particular debt within seven consecutive days, and none within seven days after a telephone conversation about that debt.

- Source: https://ottoforfirms.com/glossary/seven-in-seven/
- 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 Served noindex and excluded from the sitemap; do not cite as settled.

**In legal review — not indexed.** These definitions are drafted and readable, and stay out of search until an attorney has cleared each one.

[All terms](https://ottoforfirms.com/glossary/)

**7-in-7** — 7-in-7 is the Regulation F telephone-frequency rule under which a debt collector is presumed to comply with the FDCPA's harassment prohibition if it places no more than seven calls to a particular person about a particular debt within seven consecutive days, and none within seven days after a telephone conversation about that debt.

The two prongs sit at 12 C.F.R. § 1006.14(b)(2)(i)(A) and (B); exceeding either flips the presumption against the collector under § 1006.14(b)(2)(ii). The exclusions at § 1006.14(b)(3) matter operationally: calls placed with the person's prior consent within the following seven days, calls that do not connect to the dialed number, and calls to the parties listed in § 1006.6(d)(1)(ii)–(vi) do not count. Note the unit of measurement is per person per debt, not per account or per phone number, which is why dialer configuration and account-level call counters have to be reconciled before an oversight review.

## Primary sources

1. [12 C.F.R. § 1006.14(b)(2)–(3)](https://www.law.cornell.edu/cfr/text/12/1006.14)

## See also

- [Limited-content message](https://ottoforfirms.com/glossary/limited-content-message/)
- [Right-party contact](https://ottoforfirms.com/glossary/right-party-contact/)
- [Disposition code](https://ottoforfirms.com/glossary/disposition-code/)

## Where this appears

- [Migrating from Collection-Master](https://ottoforfirms.com/migrating/from-collection-master/)
- [Otto compared with Collection-Master](https://ottoforfirms.com/compare/collection-master/)
- [How Does the 7-in-7 Call Frequency Rule in 12 CFR 1006.14(b)(2) Actually Count?](https://ottoforfirms.com/compliance/regulation-f/call-frequency/)

---

This is an informational reference, not legal advice, and using it creates no attorney-client relationship. Limitations periods turn on facts this page cannot know — which state's law governs, the contract type, when the claim accrued, and whether anything tolled or revived it. Confirm against the primary source and your own counsel before acting.