---
kind: "section"
citation: "12 C.F.R. § 1006.100"
title: "12"
number: "1006.100"
heading: "Record retention."
url: "https://uscodex.org/cfr/12/1006.100"
---

# §1006.100. Record retention.

- (a) **In general.** Except as provided in [paragraph (b)](#b) of this section, a debt collector must retain records that are evidence of compliance or noncompliance with the FDCPA and this part starting on the date that the debt collector begins collection activity on a debt until three years after the debt collector's last collection activity on the debt.
- (b) **Special rule for telephone call recordings.** If a debt collector records telephone calls made in connection with the collection of a debt, the debt collector must retain the recording of each such telephone call for three years after the date of the call.

## Notes

### Authority

Authority: 12 U.S.C. 5512, 5514(b), 5532; 15 U.S.C. 1692 l (d), 1692o, 7004.

### Source

Source: 85 FR 76887, Nov. 30, 2020, unless otherwise noted.