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DataBona Fide Error Defense Database Published for CFPB Debt Collection Rule Text Messages

  • Written by Steel Rose

Under the CFPB’s Debt Collection Rule, debt collectors who adopt and follow certain procedures can obtain a bona fide error defense from civil liability for unintentional violations of the prohibition against third-party communications when communicating by email or text message.  For text message communications, one element of those procedures includes using a “complete and accurate database” to confirm that the consumer’s telephone number has not been re-assigned to another user. 

The Rule’s commentary identifies the FCC’s Reassigned Numbers Database as a “complete and accurate database.”  The FCC has now published that database. 

You can access the Reassigned Numbers Database here:"> 

More information about the Reassigned Numbers Database is available here:">