Second-year Berkeley Law students and CAPS members Julia Butts, Samson Lim, and Daniel Twomey submitted a public comment on Regulation F (Debt Collection Practices) to the Consumer Financial Protection Bureau.  In it, the students proposed  three modifications to the proposed rules to protect debtors from abuse. First, the rules need to be modified to protect consumers from phishing and smishing scams. Second, the rules should require individuals to consent before receiving electronic messaging from debt collectors. Third, the rules should take concrete steps to ensure that low English proficiency consumers are informed of their rights in a language-appropriate manner.