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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N.D. Illinois: Debt Itemization Does Not Imply Interest May Accrue

14 March 2018


FDCPA Caselaw Review for January 2018

8 March 2018


Collection Industry Requests Guidance from Mass AG Regarding Longstanding Interpretation of Validation Requirements

1 March 2018


Church Provides No Sanctuary: Sixth Circuit’s FDCPA Decision May Breathe New Life into TCPA Spokeo Arguments

22 February 2018


Maryland Court Finds Mini-Miranda Not Necessary on Certain Consumer-Initiated Calls

21 February 2018


Debt Collectors Hoping For Relief from Courts on Collection Letter Claims May Soon Get Clarity (podcast)

20 February 2018


N.D. Illinois Makes Reasonable Ruling on Interest Disclosure Requirements

15 February 2018


New Jersey: Including a Phone Number on Initial Letter Does Not Violate the FDCPA

6 February 2018


7th Cir. Holds Debt Collector Violated FDCPA Despite Using Miller Safe Harbor Language

29 January 2018


E.D.N.Y. Decides “Settlement May Have Tax Consequences” is an Acceptable 1099C Disclosure

22 January 2018


Committee Meets Today on Bill to Exempt Lawyers from FDCPA

17 January 2018


FDCPA Caselaw Review for December 2017

17 January 2018


Perfect Storm Coalesces as Division of Banks, Debt Buyers and Consumer Lawyers Await Decision in Massachusetts

16 January 2018


Debt Collection Activity Alone Does Not a Debt Collector Make, According to Northern District of Illinois

10 January 2018


Judge Was Not Kind to Collection Agency Plaintiffs in RICO Case Decision

9 January 2018


E.D.N.Y. Rips Into Plaintiffs’ Bar on Reverse Avila Claims

21 December 2017


FDCPA Caselaw Review for November 2017

21 December 2017


Northern District of NY Agrees with Debt Collector: Pre-Judgment Interest Does Not Trigger Avila Disclosure Requirements

19 December 2017


Richardson v. LVNV Funding, LLC and the Dilemma of Unclear Out-of-Stat Requirements

28 November 2017


FDCPA Case Law Review for September and October 2017

22 November 2017