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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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Image of road sign that says "Massachusetts Welcomes you" [Image by creator spiritofamerica from AdobeStock]

Mass. Releases Webinar on Examination and Legislation Strategy for Debt Collectors

21 January 2021
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The Tides are Turning: Recent Trends in FDCPA Standing

13 January 2021
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6th Circuit Rejects ‘Benign Language’ Exception in FDCPA Envelope Disclosure Claim

11 January 2021
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CFPB Taskforce Report (Part 2): The 19 Focus Areas and 102 Recommendations of Volume 2

7 January 2021
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CFPB Taskforce Report (Part 1): A Deep Dive Into the 4 Main Debt Collection-Related Topics of Volume 1

6 January 2021
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A Review of 2020 FDCPA and TCPA Opinions from the Second Circuit

5 January 2021
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Part 2 of the CFPB's Final Debt Collection Rule (Reg F) is Here

18 December 2020
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2020 Collections-Related Case Law Year in Review

17 December 2020
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9th Cir. Reverses Trial Court Ruling in Favor of Defendant on FDCPA Claim Related to Bankruptcy

15 December 2020
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FTC settles first enforcement action targeting “debt parking”

14 December 2020
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The CFPB Curtails the Activities of an Unlicensed Debt Collector: Striking a Chord Between State Licensing Compliance and the FDCPA

10 December 2020
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Regulation F—the CFPB's Final Rule on Debt Collection—Is Now Published in the Federal Register

30 November 2020
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Ninth Circuit: Contractually Obligating Creditor Clients to Provide Accurate Information is Insufficient on Its Own to Satisfy Bona Fide Error Defense

25 November 2020
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Has the Definition of Consumer Changed? Insight from Research Assistant

24 November 2020
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9th Cir. Holds Mere Reliance on Contract Provision Not Enough for FDCPA ‘Bona Fide Error’ Defense

19 November 2020
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Breaking Down the 7-in-7 Rule and a Discussion About D/B/As from Compliance Weekly

17 November 2020
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Afni Settles with CFPB Over Credit Reporting Practices

16 November 2020
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E.D.N.Y. Judge Warns Frequent-Filer Plaintiffs' Firm: Continue Filing Frivolous Cases Like This and You'll Get Sanctioned

10 November 2020
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Four Things That the CFPB's Final Debt Collection Rule Got Right

8 November 2020
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The Puzzle Box That is the Validation Notice Provision in the CFPB's New Rules

5 November 2020

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