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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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Has the Definition of Consumer Changed? Insight from Research Assistant

24 November 2020
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9th Cir. Holds Mere Reliance on Contract Provision Not Enough for FDCPA ‘Bona Fide Error’ Defense

19 November 2020
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Breaking Down the 7-in-7 Rule and a Discussion About D/B/As from Compliance Weekly

17 November 2020
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Afni Settles with CFPB Over Credit Reporting Practices

16 November 2020
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E.D.N.Y. Judge Warns Frequent-Filer Plaintiffs' Firm: Continue Filing Frivolous Cases Like This and You'll Get Sanctioned

10 November 2020
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Four Things That the CFPB's Final Debt Collection Rule Got Right

8 November 2020
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The Puzzle Box That is the Validation Notice Provision in the CFPB's New Rules

5 November 2020
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The CFPB's Final Debt Collection Rule: Impacts on Creditors

4 November 2020
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CFPB Advisory Opinions: Hope for Debt Collectors or a Pipe Dream?

3 November 2020
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CFPB Final Debt Collection Rule v. NPRM: What Made the Final Cut?

2 November 2020
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CFPB Debt Collection Rule Released: How Did the Cookie Crumble on Hot Industry Topics?

30 October 2020
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A Review of Supreme Court Justice Amy Coney Barrett's Prior FDCPA Court Decisions

27 October 2020
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Debt Collection Should be on Congress' Mind, Congressional Research Service Suggests

26 October 2020
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CFPB Settles with Encore for $15MM Civil Penalties and $78K Monetary Relief

19 October 2020
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Hopefully the End of the Debt Itemization Circus? 7th Cir. and CFPB Side with Debt Collector

15 October 2020
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Yes, Debt Collectors Can Still Call Numbers Supplied to Creditors as Part of Underlying Transaction

8 October 2020
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Are Your Debt Collection Communications Getting Through and Timed Right?

6 October 2020
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Interest Disclosure Cases Haven't Stopped, but Plaintiffs Keep Losing

1 October 2020
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In the Nick of Time: NYC DCA Releases Glossary and Translations of Commonly-Used Terms

30 September 2020
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The Slow Demise of Recent Collection Letter Overshadowing Claims

24 September 2020

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