The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers from abusive, unfair, and deceptive practices by third-party debt collectors. The law details when and how a collector may contact a debtor. The government enforcer of the law has historically been the Federal Trade Commission (FTC), but some regulatory duties may be shared with the Bureau of Consumer Financial Protection housed within the Federal Reserve, created in 2010. The FDCPA is a strict civil liability law, which means that a consumer need not prove actual damages in order to claim statutory damages of up to $1,000 per violation plus reasonable attorney fees.
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N.D. Illinois Makes Reasonable Ruling on Interest Disclosure Requirements
15 February 2018
New Jersey: Including a Phone Number on Initial Letter Does Not Violate the FDCPA
6 February 2018
7th Cir. Holds Debt Collector Violated FDCPA Despite Using Miller Safe Harbor Language
29 January 2018
E.D.N.Y. Decides “Settlement May Have Tax Consequences” is an Acceptable 1099C Disclosure
22 January 2018
Committee Meets Today on Bill to Exempt Lawyers from FDCPA
17 January 2018
FDCPA Caselaw Review for December 2017
17 January 2018
Perfect Storm Coalesces as Division of Banks, Debt Buyers and Consumer Lawyers Await Decision in Massachusetts
16 January 2018
Debt Collection Activity Alone Does Not a Debt Collector Make, According to Northern District of Illinois
10 January 2018
Judge Was Not Kind to Collection Agency Plaintiffs in RICO Case Decision
9 January 2018
E.D.N.Y. Rips Into Plaintiffs’ Bar on Reverse Avila Claims
21 December 2017
FDCPA Caselaw Review for November 2017
21 December 2017
Northern District of NY Agrees with Debt Collector: Pre-Judgment Interest Does Not Trigger Avila Disclosure Requirements
19 December 2017
Richardson v. LVNV Funding, LLC and the Dilemma of Unclear Out-of-Stat Requirements
28 November 2017
FDCPA Case Law Review for September and October 2017
22 November 2017
California Court Dismisses Action for Lack of Jurisdiction Pursuant to Spokeo
16 November 2017
FCC Commission Meets Tomorrow; Will Address Robocall Blocking
15 November 2017
Another Industry Win in the Battle Over Interest Disclosures in Second Circuit
14 November 2017
Illinois Court Finds Adding Collection Costs Pursuant to Underlying Contract Does Not Violate FDCPA
13 November 2017
Florida Court Finds Materiality Needed for Date of Delinquency Claims Under FDCPA
7 November 2017
Verbal Authorization for Recurring Payments – Ask Yourself One Question: “Do I Feel Lucky?” (podcast)
25 October 2017