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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Debt Collectors Flooded with Mass-Produced Requests for Validation
18 February 2016
7th Cir. Rejects FDCPA Allegations Involving Letters Sent to Debtor’s Counsel
17 February 2016
Judge Denies Prevailing Party's Motion For Attorney Fees in Clear Cut FDCPA Case
16 February 2016
Rhode Island ‘Expired Debt Act’ More Than Name Implies
12 February 2016
Motion Granted for Debt Collector in FDCPA Bona Fide Error Case
10 February 2016
Judge Grants Mixed Ruling in Yet Another Example of FDCPA Ambiguity
9 February 2016
Failure to Inform a Consumer That a Partial Payment Revives an Out-of-Stat Debt Could Be an FDCPA Violation, Court Says
5 February 2016
insideARM FDCPA Caselaw Roundup Through January 30, 2016
4 February 2016
Two Recent Cases Highlight Mandatory Arbitration Provisions
3 February 2016
Illinois Reverses Course, Realigns State Collections Law with FDCPA
2 February 2016
CFPB Issues Seventh Monthly Complaint Report; Highlights Include Complaints on Debt Settlement and Credit Repair Companies
1 February 2016
Judge Denies Class Action Certification in FDCPA Spanish Letter Case Against Portfolio Recovery Associates, LLC
29 January 2016
2nd Circuit Rules Bankruptcy Code Does Not Preclude FDCPA Suit in District Court
28 January 2016
Bankruptcy Code Precludes FDCPA Claim for Filing POC on Time-Barred Debt, Fla. District Court Holds
27 January 2016
Class Certification Rejected in Alleged FDCPA/RICO Suit Against Sherman Financial Group
26 January 2016
District Court in Eastern New York Says Leaving Message With Third Party Violates FDCPA
14 January 2016
Missouri Federal Court Says ‘Benign’ Language on Envelope Does Not Violate FDCPA
4 January 2016
FTC and CFPB File Amicus Brief in Carmen Franklin v. Parking Revenue Recovery Services, Inc.
21 December 2015
When is a Message a Communication "With" a Third Party? The Debate Rages On
18 December 2015
CFPB Issues Bulletin Warning About Risk of In-Person Collections
17 December 2015