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

Tenth Circuit Finds that Materiality Must be Determined Through the Perspective of the Reasonable Consumer

13 September 2022

 [Image by creator Frank Fennema from AdobeStock]

Hunstein Isn't Over: 4 Things You Need to Know

12 September 2022

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

5th Cir. Dismisses FDCPA Case on Standing Grounds in Class Cert. Appeal

29 August 2022

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

Court Finds Servicer’s Neutrally-Worded Voicemail Advising of Payment Options Does Not Constitute Debt Collection

11 August 2022

Referee indicating timeout [Image by creator sixdays from AdobeStock]

CFPB Prioritizing Enforcement Over Education

10 August 2022

4 Businesspeople in a thinking pose, each with a question mark floating above their head [Image by creator metamorworks from AdobeStock]

Debunking Three Compliance Myths Regarding Texting in Collections & Recovery

9 August 2022

 [Image by creator dvalmas from AdobeStock]

Court Finds Entity Partnering With Medical Provider Does Not Qualify as a Debt Collector Under the FDCPA

3 August 2022

 [Image by creator Krasimira Nevenova from AdobeStock]

CFPB Releases Reg F Guidance

2 August 2022

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

Hunstein Copycat Suit Fails Where Data Sent to Vendor is Secure

20 July 2022

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

6th Cir. Holds ‘Objectively Baseless’ Debt Collection Lawsuit Violated FDCPA

5 July 2022

 [Image by creator atoss from AdobeStock]

CFPB Says Convenience and Pay-to-Pay Fees are Prohibited Junk Fees

30 June 2022

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

Washington Court Sides with Hunstein Copycat; Rejects Main Industry Defenses

15 June 2022

4 Businesspeople in a thinking pose, each with a question mark floating above their head [Image by creator metamorworks from AdobeStock]

CFPB Focuses on Innovation; Creates New Office and Hints at Future Rulemaking

25 May 2022

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

Boost Disputes Management Efficiency with Three Steps

4 May 2022

 [Image by creator Leigh Prather from AdobeStock]

Hunstein: Does CFPB Leadership Lack Courage and Vision?

31 March 2022

A binder that says "Guidelines" on the spine sitting on a desk with a pen, calculator, and open binder [Image by creator DOC RABE Media from AdobeStock]

CFPB Says its UDAAP Authority Includes Ability to Review for Discrimination; Updates UDAAP Exam Procedure

22 March 2022

Clipboard with credit report and pen [Image by creator tashatuvango from AdobeStock]

Equifax, Experian, and TransUnion Support U.S. Consumers With Changes to Medical Collection Debt Reporting

21 March 2022

Phone with "voice mail" text on it [Image by creator iQoncept from AdobeStock]

Court Finds Text Messages Do Not Qualify As Artificial or Prerecorded Voice Messages Under the TCPA

7 March 2022

 [Image by creator Leigh Prather from AdobeStock]

The Correct Answers to Questions about the Limited Content Message and Model Validation Notice [Video]

3 March 2022

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

8th Cir. Holds FDCPA Plaintiff Lacked Article III Standing in Garnishment Communication Case

24 February 2022