12 CFR § 1006.42 - Sending required disclosures.

---
identifier: "/us/cfr/t12/s1006.42"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1006.42 - Sending required disclosures."
title_number: 12
title_name: "Banks and Banking"
section_number: "1006.42"
section_name: "Sending required disclosures."
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"
---


# 1006.42 Sending required disclosures.

(a) *Sending required disclosures*—(1) *In general.* A debt collector who sends disclosures required by the Act and this part in writing or electronically must do so in a manner that is reasonably expected to provide actual notice, and in a form that the consumer may keep and access later.

(2) *Exceptions.* A debt collector need not comply with paragraph (a)(1) of this section when sending the disclosure required by § 1006.6(e) or § 1006.18(e) in writing or electronically, unless the disclosure is included on a notice required by § 1006.34(a)(1)(i) or § 1006.38(c) or (d)(2).

(b) *Requirements for certain disclosures sent electronically.* To comply with paragraph (a) of this section, a debt collector who sends the notice required by § 1006.34(a)(1)(i)(B), or the disclosures described in § 1006.38(c) or (d)(2)(i), electronically must do so in accordance with section 101(c) of the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) (15 U.S.C. 7001(c)).

[85 FR 76887, Nov. 30, 2020, as amended at 86 FR 5856, Jan. 19, 2021]