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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CFPB Report Highlights Debt Collection Issues; Collectors AND Creditors Should Take Note
13 September 2017
9th Circuit Opinion Highlights Right to Cure Provision in California’s Rosenthal FDCPA
12 September 2017
House Committee Meets Today to Consider Change to FDCPA
7 September 2017
3rd Circuit: 2nd Collection Letter Within 30 Days of First Letter is "Overshadowing"
7 September 2017
NJ Judge Disagrees with NY Judge in FDCPA Case Involving Credit Repair Agreement
6 September 2017
FDCPA Case Law Review for August 2017
6 September 2017
New Collection Letter Lawsuits in California and New York: What Your Agency Needs to Know Now
30 August 2017
3 Lessons You Should Take From the Latest 1099(c) Letter Case
30 August 2017
California District Court Dismisses FDCPA Claim Over a Potential Convenience Fee for Lack of Article III Standing Under Spokeo
23 August 2017
Don’t Cloud the Validation Notice: 8 Tips to Avoid Overshadowing
22 August 2017
District Court Holds 1099-C Language Not in Violation of FDCPA or ICAA
22 August 2017
Oregon’s District Court: Collection Agencies’ Omissions Don’t Automatically Equal Malevolence
15 August 2017
Debt Collector Prevails by Using Safe Harbor Language on Letters in Current Balance Case
15 August 2017
FDCPA Bona Fide Error Defense Did Not Protect Debt Collector Despite Following Controlling Precedent, En Banc Seventh Circuit Rules
9 August 2017
Two FDCPA Class Actions Dismissed, Citing Supreme Court Ruling in Midland v. Johnson
3 August 2017
First Party Servicing on Medical Accounts: The Federal and State Landscape Continues to Shift
1 August 2017
FDCPA Case Law Review for June and July 2017
31 July 2017
Midland Dodges Class Certification Request in Illinois Letter Case
27 July 2017
Consumer's Credit Repair Agreement Becomes Issue in Collection Dispute
20 July 2017
5th Cir. Holds Debt Collector’s Obligation to Report Debt as Disputed Not Limited By § 1692g
20 July 2017