FDCPA News

Collections & Recovery

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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CFPB Prioritizing Enforcement Over Education

10 August 2022

Debunking Three Compliance Myths Regarding Texting in Collections & Recovery

9 August 2022

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

3 August 2022

CFPB Releases Reg F Guidance

2 August 2022

Hunstein Copycat Suit Fails Where Data Sent to Vendor is Secure

20 July 2022

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

5 July 2022

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

30 June 2022

Washington Court Sides with Hunstein Copycat; Rejects Main Industry Defenses

15 June 2022

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

25 May 2022

Boost Disputes Management Efficiency with Three Steps

4 May 2022

Hunstein: Does CFPB Leadership Lack Courage and Vision?

31 March 2022

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

22 March 2022

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

21 March 2022

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

7 March 2022

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

3 March 2022

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

24 February 2022

Consumer Relations Consortium Comments on NYDFS Proposed Alterations to Debt Collection Rule

17 February 2022

Which Regulatory Hot Buttons will Emerge in 2022?

15 February 2022

Hunstein: Case Moves Forward; Consumer Files Final Brief Before Case is Reheard

7 February 2022

Consumer is Responsible for Default Judgment; Court Dismisses Class Action Lawsuit on Standing

31 January 2022