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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Will You Know A “Dispute” When You See It?

10 November 2015

CFPB Issues Ninth Supervisory Highlights Report

4 November 2015

Settlement Offer Found Not To Be FDCPA Violation in Florida

2 November 2015

Sixth Circuit Decides Voicemail Message is not a “Communication”

28 October 2015

Looking Ahead – Preparing Economics Students for the Real World

22 October 2015

Portfolio Recovery Associates Motion Denied in FDCPA Class Action Case

19 October 2015

Three Reasons Your Agency Needs to Be Focused on Disparate Impact

14 October 2015

CFPB Orders Indirect Auto Finance Company to Pay $48.3M in Relief and Penalties for Illegal Debt Collection Tactics

1 October 2015

7th Cir. Confirms FDCPA Is Not Enforcement Mechanism for Matters Governed by Other Federal or State Laws

1 October 2015

New Academic Paper Urges CFPB to Carefully Consider Impact of Potential New Debt Collection Regulations

30 September 2015

What's Keeping Compliance Professionals Awake? UDAAP, Entrenched Behaviors

24 September 2015

FDCPA Litigation Totals Dropping But Still High; TCPA Unmoved in August

21 September 2015

Dallas Debt Dialogue Moved to Bigger Venue; Registration Re-Opened

3 September 2015

Apparently Creditor Friendly North Carolina Debt Collection Law Revision Surprises Some

3 September 2015

Illinois Collection Agency Act Updates Are Material, And Have Already Taken Effect

31 August 2015

FTC's Reilly Dolan Lists Those Banned From Debt Collection, and Discusses Industry Self-Regulation

28 August 2015

Eleventh Circuit Court Cites “Plain Language” of the FDCPA, Rules in Favor of Capital One in Debt Collection Case

27 August 2015

Third Circuit Holds Debt Collector Bears Burden of Proving FDCPA Exception to Third Party Contact

25 August 2015

FDCPA Lawsuits Up Sharply YTD in 2015 vs. 2014

21 August 2015

CFPB Takes Action against Springstone Financial, LLC; Collectors Should Take Note

20 August 2015