Developer Rule
The EcoMailbox is the consumer’s secure digital mailbox for receiving EcoLetters and CFPB Reg F communications matching the consumer’s EcoAddress.
EcoAddress Match:
- Last Name
- Date of Birth
- Last 4 SSN
When a participating organization creates an EcoLetter or CFPB Reg F communication, YouNegotiate matches the communication to the consumer’s EcoAddress and delivers it to the consumer’s EcoMailbox.
The EcoMailbox serves as the official digital delivery destination for communications associated with the consumer’s EcoAddress.
Includes
- Inbox
- Unread Message Indicators
- EcoLetters
- CFPB Reg F Communications
- Read Status
- Unread Status
EcoMailbox Delivery Rule
When a participating organization creates an EcoLetter or CFPB Reg F communication, YouNegotiate delivers the communication to the matching consumer EcoAddress.
Delivered communications appear in the consumer’s EcoMailbox.
Consumers receive notifications according to their Communication Profile settings.
If no Communication Profile exists, notifications may be delivered using the email address and/or mobile phone number associated with the account.
Purpose:
Provide secure digital delivery of communications associated with the consumer’s EcoAddress.
Inbox
The EcoMailbox displays all EcoLetters and CFPB Reg F communications delivered to the consumer’s EcoAddress.
Consumers may:
- View Messages
- Read Messages
- Review Message History
Purpose:
Provide a centralized digital mailbox for secure financial communications.
Unread Message Indicators
The EcoMailbox displays unread message counts.
When a new communication is delivered:
- Unread count increases
- Consumer notification is generated
When a communication is opened:
- Message status changes to Read
- Unread count decreases
Purpose:
Provide visibility into new EcoMailbox activity.
Message Status
Messages must display:
- Unread Status
- Read Status
Unread messages must be visually distinguishable from read messages.
Purpose:
Allow consumers to quickly identify new communications.
Key Rule
The EcoMailbox is the official digital delivery destination for EcoLetters and CFPB Reg F communications associated with the consumer’s EcoAddress.
Only communications matching the consumer’s EcoAddress may be displayed within the EcoMailbox.
Final Developer Rule
Participating organizations create communications.
YouNegotiate manages EcoAddress matching, delivery, notifications, read status, unread status, and presentation within the EcoMailbox.
The EcoMailbox serves as the secure digital delivery channel for communications associated with the consumer’s EcoAddress.Last modified on June 1, 2026
