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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Consumer Relations Consortium Submits Comment to CFPB's NPRM for Debt Collection

19 September 2019

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Court Awards Attorney Fees to Debt Collector, Finds Plaintiff Filed FDCPA Case in Bad Faith

4 September 2019

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7th Cir. Holds No FDCPA Claim Where Consumer Failed to Prove Credit Card Transactions Were for ‘Consumer’ Purposes

4 September 2019

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Plaintiff Acted in Bad Faith by Not Disclosing All FDCPA Claims to Bankruptcy Court, Says D.N.J.

3 September 2019

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Court Foils Attempt at Creating an FDCPA Violation by Sending C&D Request to Parent Company

21 August 2019

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The Good and the Bad: Bona Fide Error Defense a Hot Issue in Recent Court Decisions

19 August 2019

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Lavallee: Well, Now We Know How NOT to Send a Validation Notice via Email

15 August 2019

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7th Circuit's Lavallee Decision: What Does it Mean for Text Messaging and the NPRM?

12 August 2019

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Disclosure About Less Favorable Future Terms in Collection Letter Does Not Violate FDCPA, Says Missouri Court

5 August 2019

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7th Cir. Says ‘Costs’ Includes Collector’s Percentage Fee, Disagrees With 8th and 11th Circuits

5 August 2019

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9th Cir. Asks Nevada: Is an FDCPA Claim a Compulsory Counterclaim in a Collection Suit?

25 July 2019

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E.D. Wis. Dismisses Case Against Collection Firm Regarding Attorney Involvement Letter Disclaimer

16 July 2019

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E.D.N.Y. Judge States FDCPA Cases Based on Technicalities are “Lawyer’s Case[s]” and Harm Consumers

15 July 2019

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Common Sense Prevails! Seventh Circuit Affirms Consumer was not Harmed by Letter and Dismisses FDCPA Case [Podcast]

11 July 2019

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Arbitration Clauses: What Works, What Doesn’t, and How Creditors Can Help

27 June 2019

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Avila and the Intricacies of Civil Litigation Procedure Illustrated in Recent E.D.N.Y. Decision

20 June 2019

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7th Cir. Creates Split on Spokeo Standing, Rules in Favor of Defendant in FDCPA Disclosure Case

19 June 2019

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Texas Court Finds No Issue With Mailing Second Validation Letter After 30-Day Validation Window

17 June 2019

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13 June 2019

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7th Cir. Affirms Decision on Creditor ID Claim, Says Commonly Known Name is Fine and Specific Terminology is Not Required

10 June 2019