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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In Email, Linked Pages are Considered Part of the "Whole" Message When Evaluating the FDCPA, According to New Mexico Court

3 June 2020

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Legal Action Letter Language Not Considered a False Threat of Litigation

28 May 2020

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The Tide is Changing: E.D.N.Y. Sanctions Plaintiff's Counsel under FDCPA, Awards ~$37k in Fees/Costs to Debt Collector

21 May 2020

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Greene v. TrueAccord Further Refines Email Best Practices

20 May 2020

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E.D.N.Y.: No Standing for Consumer to Bring FDCPA Claim Because It Wasn't Properly Disclosed in Bankruptcy Petition

14 May 2020

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D. Ariz. Grants Rare Award of Costs to Debt Collector Under FDCPA Provision

7 May 2020

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BREAKING: Court Grants Temporary Restraining Order Against Massachusetts Attorney General's Outbound Collection Call Ban

6 May 2020

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5th Cir. Reverses Sanctions Against Consumer’s Counsel for Failure to Promptly Settle

6 May 2020

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E.D.N.Y. Dismisses Another "Lawyer's Case" For Attempting to Twist Collection Letter Language into an FDCPA Violatoin

5 May 2020

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Letter Format/Overshadowing Claims Continue to Fall Flat in E.D.N.Y.

30 April 2020

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CFPB Encourages Automated Calls from Banks and Servicers to Consumers Who Need Financial Help

29 April 2020

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Moral of the Story: Web Payment Portals Need Time-Barred Debt Disclosures if Applicable

28 April 2020

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Trap for the Unwary: Express Consent under the TCPA May not be Consent under the FDCPA

13 April 2020

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If Consumer Doesn't Dispute, Creditor Can Also Assume Debt is Valid, Says M.D. Florida (Citing 11th Cir. Case that Already Disposed of the Issue)

9 April 2020

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Cordray Weighs In: Recommends Vigorous Oversight of Debt Collectors During and After COVID-19

6 April 2020

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5th Cir. Holds No FDCPA Violation When Collection Letter Stated That Amount Due ‘May’ Increase

2 April 2020

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No More Circuit Split: Third Circuit Finds No Written Requirement in 1692g(a)(3), Overturns Graziano

31 March 2020

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Illinois Regulator Issues Guidance to Collectors and Debt Buyers: You're Not "Essential," But Here's What You Can Do

31 March 2020

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CFPB Releases 2019 FDCPA Report; Announces Extension Of Comment Period

30 March 2020

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CFPB Extends Time-Barred Debt SNPRM Comment Deadline

26 March 2020