Consumers still in control with new rules that allow text, email, social media to seek repayment

The Minnesota Department of Commerce is alerting consumers to be aware of recent rule changes that may impact a consumer’s experience with the debt collection agency.

New debt collection rules now allow debt collectors to use email, text and social media messaging to track down consumers in seeking repayment of debts. While the new rules change how Minnesotans can be contacted by debt collectors, consumers are still in control to specify which communication method a debt collector can use. In some cases, the new rules offer more protection to consumers and change the way collection agencies conduct their business.

The Minnesota Department of Commerce, which licenses individual debt collectors and collection agencies that conduct business in Minnesota, is alerting consumers to be aware of recent rule changes that may impact a consumer’s experience with the debt collection agency.

"If you're contacted by a debt collector, you can specify which way you want to be contacted,” Minnesota Department of Commerce Commissioner Grace Arnold said. “You can tell the debt collector to stop contacting you by text, email or social media, and instead say how you would prefer to be contacted. As a consumer, you are still protected under the new rules.”

The new debt collection rules are significant as many rules and regulations in the debt collection industry have not changed since the 1970s. The new rules were issued by the Consumer Financial Protection Bureau and took effect Nov. 30, 2021.

The new rules place more restrictions on how often collection agencies can contact consumers. A collection agency cannot attempt to call a consumer more than seven times within seven days for each account in collections. If the consumer speaks to the collection agency, that collection agency cannot call that consumer again to collect on the account for seven more days unless requested by the consumer.


Minnesotans who feel they are being treated unfairly or engaging in ways with a debt collection agency that they don’t want or don’t think is legal should contact Commerce’s Consumer Services Center at or 651-539-1600 or 800-657-3602. Or file a complaint online at — select Debt Collection as industry when filing the complaint.

The rules change the nature and content of the validation notice debt collectors must provide consumers, which now requires providing details about the debt to include:

  • The debt collector communication disclosure;
  • The debt collector’s name and mailing address and the consumer’s name and mailing address;
  • The account number, the name of the original creditor and the current creditor;
  • The itemization date and an itemization of the current amount of the debt reflecting interest, fees, payments and credits since the itemization date and the current amount of the debt;
  • Information about consumer protections and consumer-response information including prompts for disputing the debt.

The rules do allow validation to be given to the consumer orally or electronically, instead of by mail.
Additionally, the rules affect when a collection agency can report the debt to the credit reporting agencies. In the past, some collection agencies would park or place the debt on the consumer’s credit report and wait for the consumer to contact them. The new rules restrict this practice. Now, in most cases, the debt collection agency must speak to the consumer or send a letter or electronic message about an alleged debt before reporting the debt to the credit reporting agencies.

Travis Gulbrandson covers several beats, including Osakis School Board and Osakis City Council, along with the Brandon-Evansville School Board. His focus will also be on crime and court news.
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