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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EBay and PayPal Push the Boundaries of Prior Express Consent
12 June 2015
Medical Debt Collector and its Owner Sued by Pennsylvania Attorney General
10 June 2015
Oral Arguments in CFPB v. Hanna Suggest Long Road Ahead
9 June 2015
No FDCPA Violations in Simon After Remand
8 June 2015
Graduation: ARM-U 2015 Highlights Need for Regulatory Clarity
5 June 2015
CFPB Quietly Extends Debt Collection Rulemaking on the Eve of Holiday Weekend
27 May 2015
FTC Joins NY and GA in Action Against 3 Collection Agencies
22 May 2015
FDCPA/FCRA Litigation Trending Upward, TCPA & CFPB Complaints Down Slightly
19 May 2015
The Inconvenient Reality of Convenience Fees
18 May 2015
Second Circuit Decision Provides Resolution on Disclosure of Tax Consequences in Settlement Offers
15 May 2015
Victory for ARM Industry in Ninth Circuit Case
13 May 2015
In Writing: What the New West Virigina Updates Mean for Debt Collectors
12 May 2015
CFPB: For Heaven’s Sake Help Consumers Communicate about Their Student Loan Resolution Options
11 May 2015
5 Key Points from CFPB’s Annual Report on FDCPA
8 May 2015
FDCPA Lawsuits Still Rising in Early Part of 2015 as TCPA Claims Decline
1 May 2015
Supreme Court to Hear Case on Statutory Damages Without Actual Harm; Could Impact FDCPA Cases
29 April 2015
Federal Judge Sides with Collection Agency and Debt Buyer in Letter Class Action
28 April 2015
CFPB and FTC Settle Debt Collection Charges with Mortgage Servicer for $63 million
22 April 2015
Circuit Court Revives FDCPA Suit Over Collection Law Firm's Actions
21 April 2015
DBA International Offers Webinar on Understanding the New Risks in the Bankruptcy Claim Process
16 April 2015