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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insideARM Weekly Recap – Week of October 21st, 2024
28 October 2024
Rulemaking by Advisory Opinion: Like making turducken without a recipe
24 October 2024
Eighth Circuit Vacates Defense Summary Judgment on FDCPA Claim Due to Plaintiff’s Lack of Standing
23 October 2024
insideARM Weekly Recap - Week of September 23rd, 2024
30 September 2024
Hudson Cook Enforcement Alert: Nonbank Student Loan Servicer Agrees to a CFPB-Imposed Ban and to Pay $120 Million
24 September 2024
insideARM Weekly Recap - Week of September 16th, 2024
23 September 2024
Nevada Federal Court Grants Summary Judgment in Debt Collector’s Favor in FDCPA and TCPA Case Alleging Attorney Representation and Use of an ATDS
17 September 2024
insideARM Weekly Recap - Week of September 9th, 2024
16 September 2024
CFPB issues Annual Report on FDCPA: Blasts Medical and Rental Debt Collection Practices
12 September 2024
Navigating FCRA and Debt Collection With Special Guest Bridgeforce’s Michelle Macartney [Podcast]
11 September 2024
insideARM Weekly Recap - Week of September 2nd, 2024
9 September 2024
Be Careful What You Rely On: Washington Court Says Debt Collector’s Reasonable Reliance On Balance Amount From Creditor Not Enough To Avoid FDCPA Violation
4 September 2024
insideARM Weekly Recap - Week of August 26th, 2024
3 September 2024
Federal Judge Sanctions Pittsburgh Law Firm for Writing ‘Imaginary’ Letters on Behalf of Clients in Debt Disputes
28 August 2024
Missouri Federal Court Dismisses FDCPA Claim Over Letters Sent to Plaintiffs’ Attorney
30 July 2024
7th Cir. Upholds Rejection of Borrower’s FCRA and FDCPA Claims Arising from Collection and Reporting Post-Bankruptcy
24 July 2024
insideARM Weekly Recap – Week of July 8th, 2024
15 July 2024
insideARM Weekly Recap – Week of June 17th, 2024
24 June 2024
Indiana Appeals Court Rules That a Passive Debt Buyer Is a Debt Collector under the FDCPA and State Law
19 June 2024
District Court Highlights the Importance of Precise Dispute Letters When Challenging Debt Collection
18 June 2024