CFPB Enforcement Actions Target FDCPA Violations in Property Preservation Door Knock Activities

On June 30, 2025, the Consumer Financial Protection Bureau issued enforcement actions against multiple mortgage servicers for Fair Debt Collection Practices Act (FDCPA) violations occurring during property preservation door knock attempts and delinquency property inspection activities. CFPB enforcement emphasizes that property preservation contractors performing door knock services for occupancy verification and borrower contact attempts must comply with FDCPA requirements including reasonable hours restrictions, professional conduct standards, third-party disclosure prohibitions, and comprehensive timestamp documentation across Nevada communities including Las Vegas, Henderson, and North Las Vegas.

Nevada mortgage servicers contracting with third-party property preservation vendors for door knock services face direct liability for vendor FDCPA violations under agency principles and servicer supervision obligations. Servicers must implement vendor oversight controls ensuring FDCPA compliance for all door knock activities performed at properties throughout Spring Valley, Paradise, Boulder City, and Mesquite.

FDCPA Application to Property Preservation Door Knock Services

The Fair Debt Collection Practices Act regulates communications with borrowers regarding debt collection, including property preservation door knock attempts where vendors contact borrowers about delinquent mortgages. FDCPA applies to property preservation contractors when door knock activities involve:

• Delinquency Discussion: Door knock conversations referencing mortgage delinquency, foreclosure status, or payment obligations
• Borrower Contact Attempts: Door knock efforts to contact borrowers about loss mitigation options, foreclosure alternatives, or loan modification opportunities
• Property Inspection Notifications: Door knock notices informing borrowers about upcoming property inspections related to delinquency monitoring
• Occupancy Verification: Door knock interviews asking borrowers about property occupancy status in connection with delinquent loan management
• Debt Collection Purpose: Any door knock activity conducted for the purpose of facilitating debt collection or foreclosure proceedings

FDCPA Compliance Requirements for Door Knock Activities

Property preservation vendors performing door knock services for Nevada mortgage servicers must comply with specific FDCPA requirements:

• Reasonable Hours (8AM-9PM Local Time): Door knock attempts must occur between 8:00 AM and 9:00 PM in the borrower's local time zone preventing early morning or late evening disturbances
• Professional Conduct Standard: Vendors must conduct door knock activities professionally without harassment, oppression, abuse, threats, profanity, or intimidation tactics
• No Third-Party Debt Disclosure: Vendors cannot disclose debt information to third parties including neighbors, family members, or other occupants present during door knock attempts
• Identification Requirements: Vendors must properly identify themselves, state their purpose professionally, and provide contact information if requested by borrowers
• Cease Communication Respect: Vendors must honor borrower requests to cease communication and refrain from further door knock attempts once borrowers invoke cease communication rights
• Timestamp Documentation: Vendors must maintain detailed timestamp records documenting door knock date, time, duration, outcome, and any borrower communications

Common FDCPA Violations in Property Preservation Services

CFPB enforcement actions targeting property preservation vendors identify recurring FDCPA violation patterns:

• Outside Reasonable Hours: Door knock attempts before 8:00 AM or after 9:00 PM local time violating FDCPA time restrictions
• Neighbor Disclosure: Vendors discussing borrower delinquency status, foreclosure proceedings, or debt amounts with neighbors or other third parties
• Aggressive Conduct: Repeated door knocking, demanding entry, threatening property access, or using intimidation during borrower contact attempts
• Misleading Statements: Misrepresenting vendor authority, foreclosure timeline, or consequences of non-cooperation during door knock interactions
• Failure to Honor Cease Requests: Continuing door knock attempts after borrowers invoke cease communication rights under FDCPA
• Inadequate Documentation: Failure to maintain timestamp records, borrower communication logs, or cease communication documentation supporting FDCPA compliance

Servicer Liability for Vendor FDCPA Violations

Mortgage servicers contracting with property preservation vendors for door knock services face direct liability exposure for vendor FDCPA violations under multiple legal theories including agency relationship, apparent authority, vicarious liability, and negligent supervision. CFPB enforcement actions increasingly target servicers for third-party vendor misconduct, holding servicers responsible for vendor selection, training, oversight, and compliance monitoring across Nevada operations in Arizona Charlie's Boulder area and throughout Clark County.

Vendor Oversight Best Practices for FDCPA Compliance

Nevada mortgage servicers should implement comprehensive vendor oversight controls ensuring property preservation contractor FDCPA compliance:

• Vendor Contract Terms: Include specific FDCPA compliance obligations, training requirements, documentation standards, and breach remedies in property preservation vendor agreements
• Initial Training Programs: Require vendor personnel complete FDCPA training addressing reasonable hours, professional conduct, third-party disclosure prohibitions, and documentation requirements before performing door knock services
• Ongoing Compliance Monitoring: Audit vendor door knock timestamp records, borrower complaint logs, and compliance documentation identifying violation patterns requiring corrective action
• Quality Assurance Procedures: Implement random call-back verification, borrower satisfaction surveys, and field inspection audits ensuring vendor compliance with FDCPA standards
• Complaint Investigation Protocols: Establish procedures for investigating borrower FDCPA complaints, disciplining non-compliant vendors, and implementing corrective action preventing recurrence
• Technology Controls: Utilize mobile inspection platforms with GPS timestamping, automatic time-of-day restrictions, and borrower communication logging supporting compliance verification

FDCPA-Compliant Property Preservation Services in Nevada

For Nevada mortgage servicers requiring occupancy verification services and delinquency property inspections with comprehensive FDCPA compliance, Lake Mead Mobile Notary provides professional field inspection services throughout Clark County and Washoe County. Door knock services performed within reasonable hours (8AM-9PM), professional conduct standards, third-party disclosure prohibitions, and complete timestamp documentation supporting servicer FDCPA compliance obligations.

Book FDCPA-compliant property inspection services at https://lakemeadmobilenotary.com/book or call/text (702) 748-7444 for Nevada property preservation vendor services aligned with CFPB enforcement standards and Fair Debt Collection Practices Act requirements.

This content is for informational purposes only and does not constitute legal or regulatory compliance advice. Property preservation vendors and mortgage servicers should consult qualified legal counsel regarding specific FDCPA obligations, vendor oversight requirements, and CFPB enforcement defense strategies.