CFPB releases Spanish translation of model validation notice

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Last week, the CFPB released a Spanish translation of the model-English language validation notice set forth in Appendix B of Regulation F.

The final debt collection rule allows a debt collector to send a validation that is completely and accurately translated into any language if the debt collector either (1) sends an English-language version in the same communication, or (2) previously provided the consumer with an English-language version in a prior communication.

The CFPB advises that the translated notice is a “complete and accurate” Spanish translation of the model English-language validation notice and that a debt collector that uses the translated notice and also satisfies the requirement to provide an English-language version will have a safe harbor for the rule’s requirement that any translation be complete and accurate.

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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