Best Practice on Borrower Contact for Compliance in Note Investing

For U.S. residential note investing, is it best practice to avoid all direct borrower contact (calls, texts, emails, social media) and handle all communication exclusively through a licensed third-party servicer in order to stay compliant with FDCPA, CFPB, RESPA, and TILA?

Are there any legitimate exceptions to this rule for note owners, or is a strict “no direct contact” approach the safest standard?

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Best Practice on Borrower Contact for Compliance in Note Investing