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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Sending Docs After the Validation Period Expires? One Court Says, No
19 April 2023
An Email is Less Intrusive Than a Phone Call, Finds N.D. Illinois While Granting TrueAccord’s Motion to Dismiss
18 April 2023
CFPB vs. PRA-Top 3 Takeaways and PRA’s Response
29 March 2023
6th Cir. Holds FDCPA SOL Triggered on Date of Last Violation, Not Date Faulty Collection Action Was Filed
9 March 2023
Second Circuit Affirms Judgment in Favor of Law Firm in Meaningful-Attorney-Involvement FDCPA Class Action
6 March 2023
Calif. App. Court (6th Dist) Holds Alleged Misidentification of ‘Charge-Off Creditor’ Not ‘Material’
1 March 2023
How A Compliant No-Cost-To-Biller Fee Model Can Help Your Business. [Sponsored]
28 February 2023
Is Your Credit Dispute Management Process Good Enough?
15 February 2023
Third Circuit Confirms Collectors Can Rely on Court Records
7 February 2023
Lack of Notice of Bankruptcy Filing Proves Fatal to FDCPA Claim
25 January 2023
Actions are Louder than Words- 4th Circuit Kicks Case Back to State Court.
24 January 2023
Court Finds Letter to Debtor is Not a Debt-Collection Communication Under the FDCPA
18 January 2023
Tenth Circuit Affirms Dismissal of FDCPA Mailer-Vendor Claims
11 January 2023
Looking Back on 2022: A Dynamic Year for the ARM Industry
19 December 2022
Ninth Circuit Affirms Award of Attorneys’ Fees in FDCPA Matter
12 December 2022
Breaking Down the CFPB's Opinion on Convenience Fees [Sponsored]
8 December 2022
Multiple Settlement Offers in One Letter are not Misleading
5 October 2022
Court Grants Debt Collector Summary Judgment in FDCPA Claim Based on Collection Letter With Multiple Addresses
3 October 2022
How to Defeat FDCPA Lawsuits Today: New Strategies + Proven Techniques [Video]
28 September 2022
Tenth Circuit Finds that Materiality Must be Determined Through the Perspective of the Reasonable Consumer
13 September 2022