All terms

Validation notice

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.

See also

• Itemization dateThe itemization date is the single reference date a debt collector selects — last statement, charge-off, last payment, transaction, or judgment — from which the validation notice must itemize interest, fees, payments, and credits.
• Validation periodThe validation period is the window that opens on the date a debt collector provides the required validation information and closes 30 days after the consumer receives or is assumed to receive it.
• Mini MirandaThe mini Miranda is the disclosure a debt collector must make in its initial communication that it is attempting to collect a debt and that any information obtained will be used for that purpose, plus the shorter disclosure in every subsequent communication that the communication is from a debt collector.
• Account mediaAccount media is the underlying account-level documentation for a debt — the signed agreement, periodic statements, transaction history, and payment records — as distinct from the summary data fields that travel in a placement or sale file.

Where this appears

• What Is the FDCPA (15 U.S.C. 1692), and Who Does It Actually Cover?
• What Is Regulation F (12 CFR Part 1006), and What Did It Add to the FDCPA?
• Regulation F Validation Notice (12 CFR 1006.34): Content, Itemization Date, Presumed Receipt
• Metro 2 Furnishing Accuracy Under the FCRA and the e-OSCAR Dispute Cycle

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.