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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FDCPA Case Law Review for April 2016
11 May 2016
Another Court Finds a 1099(c) Disclosure May Be False, Deceptive or Misleading
6 May 2016
CFPB Targets ARM Industry -- Which Practices Should Your Company Avoid?
22 April 2016
Appellate Courts Hold Typical Collection Letters Violate FDCPA
21 April 2016
Summary Judgment Granted Against Dallas Debt Collector for Bad Behavior
15 April 2016
Colorado FDCPA Preparing for Sunset Review
12 April 2016
4th Cir. Confirms Entity Is Not FDCPA ‘Debt Collector’ Merely Because It Purchases Defaulted Debt
12 April 2016
Encore Capital Group Wins Motion to Compel Arbitration in Putative FDCPA Class Action
6 April 2016
Convenience Fees: Potential for Mischief?
4 April 2016
SCOTUS Challenges Plaintiff Argument on Use of AG Letterhead in FDCPA Case
30 March 2016
CBE Group Wins Landmark TCPA Decision Regarding its Patent-pending Product Manual Clicker Application
30 March 2016
FTC Advises Debt Collectors on Use of Text or Social Media to Engage Consumers
29 March 2016
Second Circuit Court of Appeals Rules Collection Letter Showing a “Static” Current Balance is Misleading
28 March 2016
CFPB Issues Fifth Annual Report to Congress on the FDCPA
25 March 2016
Get Sued If You Do . . . Get Sued If You Don't: The Debt Collector's Conundrum
22 March 2016
Collectors, the FTC Wants You to Know: Do Not Buy, Sell, or Collect on These Debts
21 March 2016
NYDFS and CFPB Sample Request for Substantiation Letters are Awfully Complex
15 March 2016
Court Rules Express Consent Passes from Creditor to Collector
11 March 2016
11th Cir. Upholds Dismissal of FDCPA, FCCPA Complaint for Failure to State Claims
10 March 2016
CFPB Winter 2016 Supervisory Highlights Identifies a "Beneficial" Practice
9 March 2016