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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Bankruptcy Code Precludes FDCPA Claim for Filing POC on Time-Barred Debt, Fla. District Court Holds

27 January 2016

Class Certification Rejected in Alleged FDCPA/RICO Suit Against Sherman Financial Group

26 January 2016

District Court in Eastern New York Says Leaving Message With Third Party Violates FDCPA

14 January 2016

Missouri Federal Court Says ‘Benign’ Language on Envelope Does Not Violate FDCPA

4 January 2016

FTC and CFPB File Amicus Brief in Carmen Franklin v. Parking Revenue Recovery Services, Inc.

21 December 2015

When is a Message a Communication "With" a Third Party? The Debate Rages On

18 December 2015

CFPB Issues Bulletin Warning About Risk of In-Person Collections

17 December 2015

Debt Collection Case Goes to Supreme Court

14 December 2015

Debt Buyer Loses Round Two in FDCPA Class Action Case

11 December 2015

FDCPA Lawsuit Tossed for Failure to Disclose Claim in Bankruptcy Petition

11 December 2015

CFPB Announces Settlement with Massachusetts Collection Agency

8 December 2015

Positive Ruling for Debt Collector in Allegedly Deficient Voice Message Case

3 December 2015

Written Procedures A Major Factor in Ruling Against Collector in FDCPA Bona Fide Error Case

30 November 2015

Motion Granted For Debt Collector in Envelope Case

20 November 2015

Illinois Bill Provides Welcome Fix to Illinois Collection Agency Act

19 November 2015

Judge Accepts $59 Million Settlement in Sykes vs. Mel S. Harris and Associates, Pending Fairness Hearing

18 November 2015

New Jersey Debt Collection Bill Requiring 'Good Faith' Identity Theft Determinations Passes Senate

16 November 2015

Consumer Litigation "Continues to Evolve in Lurches": Your October Debt Collection Stats

13 November 2015

Big Mistake! Three Compliance Risks Collectors Overlook

12 November 2015

Are We Closer to Understanding 'Meaningful Involvement'? Bock v. Pressler & Pressler May Show the Way

11 November 2015