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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SD Calif. Continues Trend of Bringing Clarity to Case Alleging Improper Interest Charges

16 May 2018

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Court Denies Request for Re-Hearing in Taylor Interest Disclosure Case

15 May 2018

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8th Cir. Applies ‘Materiality’ Requirement to FDCPA Action, Joining Other Circuits

7 May 2018

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FDCPA Caselaw Review for March 2018

26 April 2018

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Both Sides Await Conference on Cross Motions for Appeal in Third Circuit RICO Case

25 April 2018

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It's Compliance Weekly! A Look at insideARM's Newest Newsletter

24 April 2018

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E.D.N.Y.: FDCPA Does Not Extend to Communications with Credit Counselors

11 April 2018

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Collectors Finally Winning FDCPA Cases: Is the Tide Turning or is Something Lurking?

9 April 2018

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We Need to Re-Examine the Meaning of Third Party Disclosure

5 April 2018

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A Re-imagined Debt Collection Call Opening

2 April 2018

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FDCPA Caselaw Review for February 2018

2 April 2018

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BREAKING: 2nd Circuit Upholds Taylor, Big Industry Win on Interest Disclosure Issue

29 March 2018

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7th Circuit Holds Verification Requirement is of Debt Collector’s Records, not Creditor’s

27 March 2018

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CFPB Wants to Know Your Priorities Related to the FDCPA

22 March 2018

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N.D. Illinois: Debt Itemization Does Not Imply Interest May Accrue

14 March 2018

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FDCPA Caselaw Review for January 2018

8 March 2018

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Collection Industry Requests Guidance from Mass AG Regarding Longstanding Interpretation of Validation Requirements

1 March 2018

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Church Provides No Sanctuary: Sixth Circuit’s FDCPA Decision May Breathe New Life into TCPA Spokeo Arguments

22 February 2018

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Maryland Court Finds Mini-Miranda Not Necessary on Certain Consumer-Initiated Calls

21 February 2018

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Debt Collectors Hoping For Relief from Courts on Collection Letter Claims May Soon Get Clarity (podcast)

20 February 2018