OpenChainGraph Suite · ART-402 · Debt Collection · Reg F 12 CFR 1006.14(b)

Reg F Call-Frequency Presumption Validator

Checks a declared debt-collection call log against the two Regulation F rebuttable presumptions: more than seven calls to a person on a single debt within any seven consecutive days (1006.14(b)(2)(i)), and a call within seven days after a telephone conversation on that debt (1006.14(b)(2)(ii)).

12 CFR 1006.14(b) Regulation F Collections Compliance Family

🔒 All checking runs locally in your browser. No data is transmitted. Do not enter real consumer data — use synthetic or anonymised inputs only.

⚠ PRESUMPTION NOTE: 1006.14(b)(2)(i)/(ii) presumptions are REBUTTABLE (1006.14(b)(3)). This tool attests the count/interval math over the declared call log — it is not a determination that harassment occurred and does not evaluate any rebuttal evidence.

Call log

Declared timezone offset from UTC, minutes (local = UTC + offset; applied only to timestamps with no "Z" suffix) Calls (JSON array: timestamp "YYYY-MM-DDTHH:MM:SS[Z]", debt_id, connected true/false)

Per-debt findings

Execution Hash (SHA-256)