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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Court Affirms Dismissal of Crawford Case for FDCPA ‘Time-Barred’ Proof of Claim, Case Was Itself ‘Time-Barred’

11 August 2016

7th Cir. Deepens Split on FDCPA Liability for ‘Time-Barred’ Claims

11 August 2016

FDCPA Safe Harbor Buried within CFPB Mortgage Rules

11 August 2016

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Ninth Circuit Court of Appeals Rules - Failure to Specifically State “This Communication is From a Debt Collector” is Not FDCPA Violation

9 August 2016

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FDCPA Case Law Review for July 2016

4 August 2016

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Attorney “Meaningful Involvement” Case Sent Back to District Court

3 August 2016

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insideARM Perspective On CFPB Outline of Proposed Debt Collection Rules – Information Integrity

2 August 2016

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15 ARM Industry Experts React to CFPB Outline of Proposed Debt Collection Rules

2 August 2016

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insideARM Perspective on CFPB Outline of Proposed Debt Collection Rules – Communication Part 2

1 August 2016

What Collectors Really Need to Know About the CFPB’s Proposed Rules

1 August 2016

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insideARM Perspective on CFPB Outline of Proposed Debt Collection Rules - Communication Part 1

28 July 2016

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CFPB Outlines Debt Collection Rulemaking Proposals

28 July 2016

Ninth Circuit Rules That Law Firm Collector Can’t Rely On Validation Notice From Previous Collector

21 July 2016

FDCPA Victory in Class Action Letter Case: What It Means for the Industry

18 July 2016

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FDCPA Case Law Review for June 2016

14 July 2016

Filing Proof of Claim on Time-Barred Debt Not an FDCPA Violation, 8th Circuit Court Rules

12 July 2016

MD Penn. Holds Notice Explaining Tax Consequences of Debt Cancellation Could Be Misleading

11 July 2016

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Spokeo Challenge in Accretive Health Debt Collection Case Receives Mixed Result

7 July 2016

CFPB Issues Supervisory Highlights Report, Includes Warnings for Creditors, Debt Buyers, Collection Agencies, and Law Firms

5 July 2016

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Court Determines Consumer Did Not Prove Revocation of Consent in TCPA Case

5 July 2016