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.

See all Topics

ARM Firms Should Assess Multidistrict Litigation for Simultaneous FDCPA and TCPA Cases

2 April 2015

Annual Report on FDCPA Enforcement and Administration Released by CFPB

1 April 2015

Circuit Court Upholds Bona Fide Error Defense for ARM Firm in FDCPA Case

30 March 2015

Is Your Envelope “Benign” Under The FDCPA?

23 March 2015

Collection Law Firm Uses Recent Ruling Against CFPB to Bolster FDCPA Enforcement Defense

20 March 2015

Circuit Court Rejects FDCPA Claim Based on Alleged Invalid Proof of Claim

4 March 2015

FTC and New York AG Team Up in Actions Against Two Buffalo Debt Collection Scams

27 February 2015

FDCPA Lawsuits Up in January and TCPA Claims Down, Reversing 2014 Trends

26 February 2015

Court Expands FDCPA's "Least Sophisticated" Standard to Include Attorneys

25 February 2015

State Bill Would Specifically Ban Debt Collectors from Using Social Media

23 February 2015

Recent Class Action Settlement Shows that FDCPA Litigation is Kind of a Game

19 February 2015

The FDCPA "is not a game, and its purpose is not to provide a business opportunity" says District Judge

17 February 2015

Ohio AG Sues Debt Collector for Impersonating Government Offices with Caller ID Spoofing

12 February 2015

Collection Agency Seeking Circuit Court Rehearing in Pivotal FDCPA Time-Barred Debt Settlement Case

11 February 2015

Circuit Court Upholds "Sewer Service" Debt Collection Class Action

11 February 2015

 [Image by creator BillionPhotos.com from AdobeStock]

FTC Sends Annual FDCPA Enforcement Letter to CFPB Filled with Detail

10 February 2015

Debt Collector Wins Dismissal of FDCPA Suit Regarding Settlement Offers and Credit Reporting

5 February 2015

Is There a "Silver Bullet" for Defeating FDCPA and TCPA Claims?

29 January 2015

FDCPA Lawsuits Decline for Third Straight Year, But TCPA Suits Up 25%

23 January 2015

FTC Sues Debt Collection Agency Over Legal Threats and Other Practices

22 January 2015