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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Court Finds FDCPA SOL Accrues on Date Debt is Reported to CRA; FCRA Does Not Require Adherence to Metro 2 Guidelines

6 May 2021

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8th Cir. Rejects FDCPA Claims Relating to Assignment of Collection Services Agreement

5 May 2021

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Here's What's Wrong With Hunstein: Here’s the Simple and Obvious Spokeo Error That Lead to the SCARIEST FDCPA Case Ever

4 May 2021

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CFPB Issues Interim Rule Applicable to FDCPA Debt Collectors Seeking to Evict Tenants For Non-Payment of Rent

29 April 2021

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Debt Collector Wins on Bona Fide Error Defense Where Dispute Letter Too Vague

28 April 2021

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BREAKING: 11th Circuit Holds Transmitting Data to Mail Vendor is Unauthorized Third-Party Disclosure

21 April 2021

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CFPB has Busy April - Reaches Agreements for Fines and Penalties with Two Organizations

21 April 2021

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3rd Cir. Holds No FDCPA Violation When Non-Interest-Bearing Debt Itemized ‘$0.00’ for Interest

21 April 2021

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Landmark Victory! Debt Collector Did Not Deceive Debtor Who Refused to Give Name

14 April 2021

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Regulation F FAQ: Disputes

24 March 2021

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Regulation F FAQ: Itemization Dates

22 March 2021

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Does Sending Consumer Data to a Mail House Violate Third-Party Disclosure Rules?

15 March 2021

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CFPB Debt Collection Rule Alert: 11 Whopping Misstatements You Need to Know About

9 March 2021

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What the CFPB’s New Debt Collection Rules Mean for Creditors and First-Party Servicers (sponsored)

25 February 2021

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Can We Say Goodbye to Six-Figure Emotional Distress Jury Awards? The Future of Actual Damages Awards in Light of the Seventh Circuit’s Standing Decisions

9 February 2021

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“You Hurt My Feelings!” An Examination of Emotional Distress Damages under the FDCPA

2 February 2021

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Limited Content Messages And Your Company’s Name

27 January 2021

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Mass. Releases Webinar on Examination and Legislation Strategy for Debt Collectors

21 January 2021

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The Tides are Turning: Recent Trends in FDCPA Standing

13 January 2021

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6th Circuit Rejects ‘Benign Language’ Exception in FDCPA Envelope Disclosure Claim

11 January 2021