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.

See all Topics
Man in a suit holding a large cardboard box that says "Dismissed" [Image by creator nito from AdobeStock]

7th Cir. Holds FDCPA ‘Debt Validation Notice’ and ‘Caller Identification’ Issues Not Enough for Standing

14 September 2021

 [Image by creator iQoncept from AdobeStock]

ICYMI: CFPB Takes Action Against Fair Collections & Outsourcing for Misrepresentation and Failing to Investigate ID Theft.

31 August 2021

An animated image of a judge facing two lawyers in court [Image by creator cookart from AdobeStock]

10th Circuit Says Single Phone Call is Sufficient for Standing, Blasts Defense Counsel for Presenting Bona Fide Error Defense Without Procedures.

26 August 2021

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

6th Cir. Holds Mere Confusion Does Not Impart Article III Standing, Reverses FDCPA Ruling in Favor of Defendant

25 August 2021

 [Image by creator blackzheep from AdobeStock]

Does Your Collection Agency Name Violate Regulation F? [Podcast]

19 August 2021

 [Image by creator enterlinedesign from AdobeStock]

Utah District Court Finds Petition Clause Bars FDCPA Suit Brought Against Debt Buyer for Filing Collection Suit Without a License

18 August 2021

Image of a blackboard with a 3 item checklist that includes Plan, Prepare, Perform [Image by creator Yury Zap from AdobeStock]

CFPB Finalizes Regulation F Implementation Date: What Your Organization Needs To Consider in Order To Be “Reg F Ready”

3 August 2021

Microphone sitting on table [Image by creator olegkruglyak3 from AdobeStock]

BREAKING: CFPB Confirms Reg F Will Take Effect on November 30, 2021

30 July 2021

 [Image by creator Leigh Prather from AdobeStock]

The TransUnion Decision: A Blessing or a Curse for the ARM Industry?

29 July 2021

Image from a dictionary showing the word leg-is-la-tion [Image by creator Art of Success from AdobeStock]

D.C. Council Passes Comprehensive Debt Collection Bill; Sends to Mayor for Signature

28 July 2021

Man in a suit holding a large cardboard box that says "Dismissed" [Image by creator nito from AdobeStock]

Eastern District of New York Dismisses Six Hunstein Copy-Cat Cases; Questions Hunstein’s Viability After TransUnion

26 July 2021

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

8th Cir. Confirms Various Loss Mit and Foreclosure Communications Not Subject to FDCPA

22 July 2021

An animated image of a judge facing two lawyers in court [Image by creator cookart from AdobeStock]

Hunstein Stay Denied!: Court Refuses to Stay Hunstein Case Pending En Banc Determination–Withholding of Mandate Immaterial

19 July 2021

 [Image by creator Leigh Prather from AdobeStock]

Consumer Relations Consortium Receives Responses from Nevada Regarding New Medical Collections Law

12 July 2021

Photo of courthouse building with "judicial" written on it [Image by creator Natalia Bratslavsky from AdobeStock]

Nevada Federal Court Won't Weigh in on Medical Collection Law Until Late July

30 June 2021

 [Image by creator Argus from AdobeStock]

Multiple Parties File Lawsuit to Stop Nevada Medical Collections Law From Going Into Effect

29 June 2021

A wall of file drawers, one of them open, holding orange file folders [Image by creator Maxim_Kazmin from AdobeStock]

Debt Collector in Hunstein Tells 11th Circuit that New SCOTUS Opinion Supports Request for Rehearing

28 June 2021

An animated image of a judge facing two lawyers in court [Image by creator cookart from AdobeStock]

Second Circuit Rules Debt Collector did not Violate FDCPA by Sending Settlement Offer Without Disclosing Interest Would Continue to Accrue if Consumer did not Meet Payment Deadline

15 June 2021

 [Image by creator Leigh Prather from AdobeStock]

Two Judges Question whether the 7th Circuit has Gone Too Far in Standing Decisions

3 June 2021

Photo of courthouse building with "judicial" written on it [Image by creator Natalia Bratslavsky from AdobeStock]

Consumer Relations Consortium Files Amicus Brief in Hunstein

2 June 2021