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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Another Reason For Collectors To Be Cautious When Calling Consumer Cell Phones

24 July 2015

Eleventh Circuit’s Mistaken Interpretation Likely to Expose Attorneys to Increased FDCPA Liability

23 July 2015

2nd CFPB Enforcement Action This Week Involving Debt Collection, Now Against Discover Bank

22 July 2015

Lawsuits Against the Industry Up Across the Board

17 July 2015

CFPB's First Monthly Complaints Report Could Use More Context

16 July 2015

Decoding the Order in CFPB v. Hanna

15 July 2015

Federal Court Paves Way For CFPB To Pursue Enforcement Action Against Hanna

15 July 2015

Judge Issues Order Denying Defendant’s Motion to Dismiss in CFPB v. Hanna Debt Collection Litigation

14 July 2015

Regional Compliance Meetings Offer Guidance, Problem-Solving, and Strategizing

14 July 2015

Court Order Shuts Down Med-Rev Recoveries For Failing To Abide By Terms Of Prior Agreement

9 July 2015

FTC Bans Fraudulent Debt Collectors Who Targeted Spanish-Speaking Consumers

8 July 2015

Common Sense Prevails 3rd Circuit FDCPA Case

7 July 2015

The CFPB's Latest Supervision Report Highlights Compliance Deficits in the Collection Industry

24 June 2015

CFPB Takes Action Against Medical Debt Collector, Largely For Lack of Policies and Procedures

19 June 2015

Now in the CFPB's Sights: Collectors Hired by State & Local Government Agencies

15 June 2015

EBay and PayPal Push the Boundaries of Prior Express Consent

12 June 2015

Medical Debt Collector and its Owner Sued by Pennsylvania Attorney General

10 June 2015

Oral Arguments in CFPB v. Hanna Suggest Long Road Ahead

9 June 2015

No FDCPA Violations in Simon After Remand

8 June 2015

Graduation: ARM-U 2015 Highlights Need for Regulatory Clarity

5 June 2015