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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Lack of Notice of Bankruptcy Filing Proves Fatal to FDCPA Claim
25 January 2023
Actions are Louder than Words- 4th Circuit Kicks Case Back to State Court.
24 January 2023
Court Finds Letter to Debtor is Not a Debt-Collection Communication Under the FDCPA
18 January 2023
Tenth Circuit Affirms Dismissal of FDCPA Mailer-Vendor Claims
11 January 2023
Looking Back on 2022: A Dynamic Year for the ARM Industry
19 December 2022
Ninth Circuit Affirms Award of Attorneys’ Fees in FDCPA Matter
12 December 2022
Breaking Down the CFPB's Opinion on Convenience Fees [Sponsored]
8 December 2022
Multiple Settlement Offers in One Letter are not Misleading
5 October 2022
Court Grants Debt Collector Summary Judgment in FDCPA Claim Based on Collection Letter With Multiple Addresses
3 October 2022
How to Defeat FDCPA Lawsuits Today: New Strategies + Proven Techniques [Video]
28 September 2022
Tenth Circuit Finds that Materiality Must be Determined Through the Perspective of the Reasonable Consumer
13 September 2022
Hunstein Isn't Over: 4 Things You Need to Know
12 September 2022
5th Cir. Dismisses FDCPA Case on Standing Grounds in Class Cert. Appeal
29 August 2022
Court Finds Servicer’s Neutrally-Worded Voicemail Advising of Payment Options Does Not Constitute Debt Collection
11 August 2022
CFPB Prioritizing Enforcement Over Education
10 August 2022
Debunking Three Compliance Myths Regarding Texting in Collections & Recovery
9 August 2022
Court Finds Entity Partnering With Medical Provider Does Not Qualify as a Debt Collector Under the FDCPA
3 August 2022
CFPB Releases Reg F Guidance
2 August 2022
Hunstein Copycat Suit Fails Where Data Sent to Vendor is Secure
20 July 2022
6th Cir. Holds ‘Objectively Baseless’ Debt Collection Lawsuit Violated FDCPA
5 July 2022