# Validation notice — definition

> A validation notice is the disclosure a debt collector must deliver in, or within five days of, its initial communication with a consumer, stating the amount of the debt, the creditor to whom it is owed, an itemization measured from a chosen reference date, and the consumer's rights to dispute the debt and to request the original creditor's name and address.

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 Served noindex and excluded from the sitemap; do not cite as settled.

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**Validation notice** — A validation notice is the disclosure a debt collector must deliver in, or within five days of, its initial communication with a consumer, stating the amount of the debt, the creditor to whom it is owed, an itemization measured from a chosen reference date, and the consumer's rights to dispute the debt and to request the original creditor's name and address.

FDCPA § 1692g(a) sets the statutory floor: five content items, delivered within five days after the initial communication. Regulation F § 1006.34, effective November 30, 2021, restructures that floor into four buckets — the debt collector communication disclosure, information about the debt, information about consumer protections, and consumer-response information — and grants a safe harbor at § 1006.34(d)(2) to collectors who use Model Form B-1 in appendix B. In practice, firms rarely fail on the boilerplate; they fail on the itemization arithmetic, because the numbers come from whatever the placing bank or seller loaded into the data file.

## Primary sources

1. [15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34](https://www.law.cornell.edu/cfr/text/12/1006.34)

## See also

- [Itemization date](https://ottoforfirms.com/glossary/itemization-date/)
- [Validation period](https://ottoforfirms.com/glossary/validation-period/)
- [Mini Miranda](https://ottoforfirms.com/glossary/mini-miranda/)
- [Account media](https://ottoforfirms.com/glossary/account-media/)

## Where this appears

- [What Is the FDCPA (15 U.S.C. 1692), and Who Does It Actually Cover?](https://ottoforfirms.com/compliance/fdcpa/)
- [What Is Regulation F (12 CFR Part 1006), and What Did It Add to the FDCPA?](https://ottoforfirms.com/compliance/regulation-f/)
- [Regulation F Validation Notice (12 CFR 1006.34): Content, Itemization Date, Presumed Receipt](https://ottoforfirms.com/compliance/regulation-f/validation-notice/)
- [Metro 2 Furnishing Accuracy Under the FCRA and the e-OSCAR Dispute Cycle](https://ottoforfirms.com/compliance/metro-2/)

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