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.

See all Topics
 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap – Week of October 21st, 2024

28 October 2024

 [Image by creator Krasimira Nevenova from AdobeStock]

Rulemaking by Advisory Opinion: Like making turducken without a recipe

24 October 2024

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Eighth Circuit Vacates Defense Summary Judgment on FDCPA Claim Due to Plaintiff’s Lack of Standing

23 October 2024

 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap - Week of September 23rd, 2024

30 September 2024

A set of five different-shaped road signs that all say "Penalty" [Image by creator Argus from AdobeStock]

Hudson Cook Enforcement Alert: Nonbank Student Loan Servicer Agrees to a CFPB-Imposed Ban and to Pay $120 Million

24 September 2024

 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap - Week of September 16th, 2024

23 September 2024

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

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

 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap - Week of September 9th, 2024

16 September 2024

 [Image by creator James Steidl from AdobeStock]

CFPB issues Annual Report on FDCPA: Blasts Medical and Rental Debt Collection Practices

12 September 2024

Person with pen making a checkmark in a box [Image by creator peshkova from AdobeStock]

Navigating FCRA and Debt Collection With Special Guest Bridgeforce’s Michelle Macartney [Podcast]

11 September 2024

 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap - Week of September 2nd, 2024

9 September 2024

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

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

 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap - Week of August 26th, 2024

3 September 2024

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Federal Judge Sanctions Pittsburgh Law Firm for Writing ‘Imaginary’ Letters on Behalf of Clients in Debt Disputes

28 August 2024

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Missouri Federal Court Dismisses FDCPA Claim Over Letters Sent to Plaintiffs’ Attorney

30 July 2024

File drawer with one folder in focus, labeled "Dismissed" [Image by creator tashatuvango from AdobeStock]

7th Cir. Upholds Rejection of Borrower’s FCRA and FDCPA Claims Arising from Collection and Reporting Post-Bankruptcy

24 July 2024

 [Image by creator Drobot Dean from AdobeStock]

insideARM Weekly Recap – Week of July 8th, 2024

15 July 2024

 [Image by creator James Steidl from AdobeStock]

insideARM Weekly Recap – Week of June 17th, 2024

24 June 2024

 [Image by creator Istimages from AdobeStock]

Indiana Appeals Court Rules That a Passive Debt Buyer Is a Debt Collector under the FDCPA and State Law

19 June 2024

Blind justice figurine in font of old fashioned books [Image by creator Kaspars Grinvalds from AdobeStock]

District Court Highlights the Importance of Precise Dispute Letters When Challenging Debt Collection

18 June 2024