Seventh Circuit FDCPA Decision Has Implications For CFPB’s Approach To Validation Notices In Its Proposed Debt Collection Rules

In its proposed debt collection rules, the CFPB would allow a debt collector to satisfy the FDCPA requirement to provide the validation notice by sending the debtor an email or text message that includes a hyperlink to a secure website on which the notice is accessible, subject to a series of specific conditions set forth in the proposed rules.