Validation notice elements
Itemized debt amount, creditor name, itemization statement, consumer rights (dispute, request original creditor), and all required safe-harbor language — every element present, or the clearance does not release.
The most rigorous FDCPA/Regulation F clearance a collector can get.
RegF Shield clears every outbound collection letter, text, email, and call script against Regulation F, the FDCPA, and state mini-FDCPA overlays before it goes out — and produces a defense-ready evidence packet within 48 hours when a collector gets sued. AI extracts and cross-references; a licensed compliance reviewer signs the certificate.
Every element of 12 C.F.R. §1006 (Regulation F)50-state mini-FDCPA overlay cross-referenceCall/text sampling & transcript analysisLicensed compliance reviewer sign-off48-hour litigation defense packet SLA
Why clearances fail
A single missing element can turn a $500 claim into a $20,000+ liability.
Every validation notice, dunning letter, text, email, and call script must comply with the FDCPA, Regulation F, and a patchwork of state mini-FDCPA statutes. Miss one required element, mis-time a consent check, or overlook a state overlay — and the collector faces a private right of action, $1,000 statutory damages per suit, and mandatory fee-shifting that routinely multiplies the cost.
FDCPA lawsuit filings rose 7.8% year-over-year in 2025, with monthly volumes hitting multi-year highs. Meanwhile, the CFPB is slashing federal supervision, shifting enforcement risk onto a fast-expanding patchwork of state attorneys general. Most small agencies and first-party creditor collections teams have neither the budget nor the in-house compliance headcount to run enterprise-grade compliance software — so they do nothing until they are sued.
RegF Shield exists to close that gap with a single, exhaustive standard applied identically to every communication artifact.
1 in 5,000
accounts generating a CFPB complaint at RMAI-certified businesses; much higher for uncertified peers
The benchmark
Measured against the letter of Regulation F and the FDCPA — subsection by subsection.
We do not summarize the law and hope. Every clearance is scored against a versioned rule pack tied to the exact text of 12 C.F.R. §1006 and the FDCPA. These are the provisions each clearance is held to.
Call frequency & consent
Call frequency limits (7 calls in 7 days per debt), time-of-day restrictions, and prior-consent verification for SMS and email — all checked deterministically.
Harassment & false statements
Script and letter language screened against the FDCPA's prohibition on harassment, oppression, or abuse, and false or misleading representations — with borderline language flagged for reviewer adjudication.
Dispute & cease-communication rights
Every communication includes the required dispute period (30 days) and cease-communication instructions; timing of follow-ups is verified.
50-state overlay cross-reference
Each clearance is cross-referenced against state mini-FDCPA statutes in the collector's operating states (especially CA, NY, IL, MA, CO) for additional requirements or stricter limits.
Recordkeeping & evidence
A complete evidence packet — clearance certificate, communication artifact, search results, and reviewer notes — is assembled and stored for litigation defense, delivered within 48 hours of a suit notice.
How a clearance is built
Intake to licensed reviewer release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed compliance reviewer adjudicates flagged exceptions and signs every certificate. That order is never reversed.
01
Compliance Gap Scan
Upload a sample of your current collection letters, scripts, or call transcripts. We return a free completeness read: which elements and state overlays you already cover, and which are missing.
02
Artifact intake & extraction
As your authorized clerical agent, we receive your outbound communications (letters, texts, emails, call scripts) and extract every required element using AI, cross-referencing against the rule pack.
03
50-state overlay cross-reference
The clearance is checked against state mini-FDCPA statutes in every state where you operate. Any conflict or additional requirement is flagged for reviewer adjudication.
04
Deterministic completeness gates
Validation notice elements are verified present; call frequency and consent rules are checked; harassment and false-statement screens are run; dispute rights are confirmed. Any failure blocks release.
05
Licensed reviewer release
A licensed compliance reviewer (attorney or certified compliance professional) reviews the exception queue, adjudicates borderline language, and signs the clearance certificate.
06
Delivery & defense packet
You receive the clearance certificate, the cleared communication artifact, and a searchable evidence log. If a suit lands, a defense-ready packet is delivered within 48 hours.
The bar we hold
Rigor you can measure.
100%
Licensed reviewer-released
No clearance ships without a human signature.
48 hours
Litigation defense packet SLA
From suit notice to delivered evidence packet.
<1%
Critical-defect target
Tracked against a gold-standard clearance library.
50+
State mini-FDCPA statutes cross-referenced
Every clearance checked against applicable state overlays.
Why RegF Shield
Built to be the most thorough option a collector has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory element and state overlay accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact the consumer, give legal advice, or conduct the collection.
Engagement
Flat fee, per cleared communication artifact. No contingency, ever.
Simple, predictable, and aligned with a compliance standard — not a cut of any recovery.
- A free Compliance Gap Scan before you commit — see exactly what is missing.
- One flat fee per cleared communication artifact; volume discounts available.
- Optional per-incident litigation defense packet at a fixed fee.
- Optional monthly monitoring retainer for ongoing clearance of all outbound communications.
FAQ
Questions, answered precisely.
Is RegF Shield a law firm?
No. RegF Shield, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Licensed compliance reviewer sign-off is available and recommended for high-exposure communications.
Do you contact the consumer or collect the debt?
Never. RegF Shield is not a debt collector and does not contact consumers or debtors. The collector remains the party responsible for sending all communications and conducting any collection activity.
What makes a clearance 'complete'?
Completeness is defined by Regulation F and the FDCPA: all validation notice elements present, call frequency and consent rules checked, harassment/false-statement screens run, dispute rights confirmed, and state mini-FDCPA overlays cross-referenced. Deterministic gates enforce each one before release.
How fast is it?
Standard clearance turnaround is 24-48 hours from artifact intake. The litigation defense packet is delivered within 48 hours of a suit notice. The free Compliance Gap Scan is returned much sooner.
How are you priced?
A flat fee per cleared communication artifact, plus optional monthly retainer for ongoing clearance. No contingency and no percentage of any recovered amount or sale proceeds.
See what's missing before it costs you a lawsuit.
Start with a free Compliance Gap Scan. Send a sample of your collection letters, scripts, or call transcripts and we'll return a completeness read against every subsection of Regulation F and the FDCPA.
Documentation-completeness service · not legal advice · the collector sends every communication.