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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4 May 2022
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Hunstein: Does CFPB Leadership Lack Courage and Vision?
31 March 2022
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CFPB Says its UDAAP Authority Includes Ability to Review for Discrimination; Updates UDAAP Exam Procedure
22 March 2022
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Equifax, Experian, and TransUnion Support U.S. Consumers With Changes to Medical Collection Debt Reporting
21 March 2022
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Court Finds Text Messages Do Not Qualify As Artificial or Prerecorded Voice Messages Under the TCPA
7 March 2022
The Correct Answers to Questions about the Limited Content Message and Model Validation Notice [Video]
3 March 2022
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8th Cir. Holds FDCPA Plaintiff Lacked Article III Standing in Garnishment Communication Case
24 February 2022
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Consumer Relations Consortium Comments on NYDFS Proposed Alterations to Debt Collection Rule
17 February 2022
Which Regulatory Hot Buttons will Emerge in 2022?
15 February 2022
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Hunstein: Case Moves Forward; Consumer Files Final Brief Before Case is Reheard
7 February 2022
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Consumer is Responsible for Default Judgment; Court Dismisses Class Action Lawsuit on Standing
31 January 2022
Hunstein: Preferred Files its Brief Addressing Standing
24 January 2022
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New CFPB Bulletin Addresses Unlawful Medical Debt Collection and Credit Reporting
18 January 2022
Date set for Hunstein Rehearing on Standing
13 January 2022
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CFPB Sues United Holding Group, its Affiliates and Owners; UHG Responds, Denies Allegations
11 January 2022
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Colorado Clarifies Intersection Between Regulation F and State Disclosure Requirement
21 December 2021
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Year in Review: A Comprehensive Breakdown of 2021 in the ARM Industry
16 December 2021
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BREAKING: 11th Circuit Vacates Hunstein; Full Panel will Rehear Case
17 November 2021
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15 Days Until Reg F is Here! 3 Things You Can Do to Prepare for the Reg F Effective Date NOW
15 November 2021
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11th Circuit Issues Substitute Opinion in Hunstein; Will Dissent provide Key for Defense Against Copycats?
29 October 2021
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