12 CFR § 1006.100 - Record retention.

---
identifier: "/us/cfr/t12/s1006.100"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1006.100 - Record retention."
title_number: 12
title_name: "Banks and Banking"
section_number: "1006.100"
section_name: "Record retention."
chapter_name: "CONSUMER FINANCIAL PROTECTION BUREAU"
part_number: "1006"
part_name: "DEBT COLLECTION PRACTICES (REGULATION F)"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 5512, 5514(b), 5532; 15 U.S.C. 1692(d), 1692o, 7004."
regulatory_source: "85 FR 76887, Nov. 30, 2020, unless otherwise noted."
cfr_part: "1006"
---


# 1006.100 Record retention.

(a) *In general.* Except as provided in paragraph (b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt collector's last collection activity on the debt.

(b) *Special rule for telephone call recordings.* If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.