March 3, 2021 — Letter

NCLC has previously urged the Bureau to make critical structural reforms to the final debt
collection regulations and to take other important actions to protect and assist consumers
with alleged debts in collection, both during the COVID crisis and beyond.

This letter supplements, and does not replace, those prior recommendations. It focuses on
additional important modifications that can be made within the current framework of the debt
collection rules to protect consumers from specific problems that will be created by those rules.
Most of these changes can be made by adding to or amending the official interpretations.