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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Third Circuit Confirms Collectors Can Rely on Court Records

7 February 2023

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Lack of Notice of Bankruptcy Filing Proves Fatal to FDCPA Claim

25 January 2023

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Actions are Louder than Words- 4th Circuit Kicks Case Back to State Court.

24 January 2023

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Court Finds Letter to Debtor is Not a Debt-Collection Communication Under the FDCPA

18 January 2023

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Tenth Circuit Affirms Dismissal of FDCPA Mailer-Vendor Claims

11 January 2023

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Looking Back on 2022: A Dynamic Year for the ARM Industry

19 December 2022

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Ninth Circuit Affirms Award of Attorneys’ Fees in FDCPA Matter

12 December 2022

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8 December 2022

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Multiple Settlement Offers in One Letter are not Misleading

5 October 2022

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Court Grants Debt Collector Summary Judgment in FDCPA Claim Based on Collection Letter With Multiple Addresses

3 October 2022

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28 September 2022

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Tenth Circuit Finds that Materiality Must be Determined Through the Perspective of the Reasonable Consumer

13 September 2022

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Hunstein Isn't Over: 4 Things You Need to Know

12 September 2022

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5th Cir. Dismisses FDCPA Case on Standing Grounds in Class Cert. Appeal

29 August 2022

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Court Finds Servicer’s Neutrally-Worded Voicemail Advising of Payment Options Does Not Constitute Debt Collection

11 August 2022

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CFPB Prioritizing Enforcement Over Education

10 August 2022

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Debunking Three Compliance Myths Regarding Texting in Collections & Recovery

9 August 2022

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Court Finds Entity Partnering With Medical Provider Does Not Qualify as a Debt Collector Under the FDCPA

3 August 2022

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CFPB Releases Reg F Guidance

2 August 2022

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Hunstein Copycat Suit Fails Where Data Sent to Vendor is Secure

20 July 2022