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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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Can the FDCPA’s One-Year Statute of Limitations Be Expanded under the “Discovery Rule”? Supreme Court Will Decide

26 February 2019
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U.S. Supreme Court Won’t Hear Triple-Whammy Case, Circuit Split on Written Dispute Requirement Continues

25 February 2019
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Third Circuit Rules Passive Debt Buyers are Debt Collectors, May Be on the Hook for Collection Agency's FDCPA Violations

25 February 2019
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

E.D.N.Y. Calls Out Disagreement Between Second and Third Circuit, Finds Letter Does Not Limit Disputes Options

21 February 2019
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5 Highlights from the FCC's Report on Illegal Robocalls

20 February 2019
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iA Video Series: Debt, Privacy, and Third Party Disclosure (Part 2: Real Life Scenario and Solution)

20 February 2019
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

Compliance With FCRA’s Requirement To Investigate A Dispute Within 30 Days Does Not Satisfy The FDCPA’s Requirement To Promptly Report A Disputed Debt

20 February 2019
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Two Court Victories Related to Identifying Creditor in Collection Letters

19 February 2019
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iA Video Series: Debt, Privacy, and Third Party Disclosure (Part 1: The Problem)

12 February 2019
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Federal Court in Texas Finds No Confusion Over Letter with Same Account Number for Two Separate Medical Debts

11 February 2019
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Anti-Spoofing Bill Introduced in Calif. State Senate, Spoofing v. Local Number Outpulsing Explained

7 February 2019
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Local Number Outpulsing Not Deceptive or Misleading According to E.D. Pa., Outlining Yet Another FDCPA Litigation Dilemma

6 February 2019
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

Triple-Whammy Petition Before U.S. Supreme Court: Written Requirement for Disputes, Reason for Dispute, and Whether “Least Sophisticated Consumer” is a Question of Law or Fact

4 February 2019
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The True Cost of Litigation: The ARM Industry's Dilemma and One Company's Response

30 January 2019
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D.N.J. and E.D. Pa. at Odds: Does a Letter Tracking FDCPA Validation Language Confuse a Consumer or Not?

29 January 2019
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E.D.N.Y. Provides Clarity on Identifying Creditor for Store Branded Credit Cards

24 January 2019
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

Yet Another 1692g "In Writing" Case Denied Dismissal in E.D. Pa.

23 January 2019
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An Open Letter to the CFPB: Court Rulings on Validation Notice Hurt Consumers and Collectors

22 January 2019
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Lack of Settlement Payment Due Date Raises Issues in E.D. Wisc., “Promptly” is Not Enough

17 January 2019
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Sixth Circuit: “Cease” Requirement Includes Third Party Activities Put Into Action by Debt Collector

14 January 2019

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