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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CFPB Takes Action Against Medical Debt Collector, Largely For Lack of Policies and Procedures

19 June 2015

Now in the CFPB's Sights: Collectors Hired by State & Local Government Agencies

15 June 2015

EBay and PayPal Push the Boundaries of Prior Express Consent

12 June 2015

Medical Debt Collector and its Owner Sued by Pennsylvania Attorney General

10 June 2015

Oral Arguments in CFPB v. Hanna Suggest Long Road Ahead

9 June 2015

No FDCPA Violations in Simon After Remand

8 June 2015

Graduation: ARM-U 2015 Highlights Need for Regulatory Clarity

5 June 2015

CFPB Quietly Extends Debt Collection Rulemaking on the Eve of Holiday Weekend

27 May 2015

FTC Joins NY and GA in Action Against 3 Collection Agencies

22 May 2015

FDCPA/FCRA Litigation Trending Upward, TCPA & CFPB Complaints Down Slightly

19 May 2015

The Inconvenient Reality of Convenience Fees

18 May 2015

Second Circuit Decision Provides Resolution on Disclosure of Tax Consequences in Settlement Offers

15 May 2015

Victory for ARM Industry in Ninth Circuit Case

13 May 2015

In Writing: What the New West Virigina Updates Mean for Debt Collectors

12 May 2015

CFPB: For Heaven’s Sake Help Consumers Communicate about Their Student Loan Resolution Options

11 May 2015

5 Key Points from CFPB’s Annual Report on FDCPA

8 May 2015

FDCPA Lawsuits Still Rising in Early Part of 2015 as TCPA Claims Decline

1 May 2015

Supreme Court to Hear Case on Statutory Damages Without Actual Harm; Could Impact FDCPA Cases

29 April 2015

Federal Judge Sides with Collection Agency and Debt Buyer in Letter Class Action

28 April 2015

CFPB and FTC Settle Debt Collection Charges with Mortgage Servicer for $63 million

22 April 2015