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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Drafting an Effective Cease Communication Policy is Important for Debt Collectors

2 March 2011

FDCPA and Other Consumer Lawsuit Statistics, February 1-15

2 March 2011

Creditors Must Be Wary of California’s Rosenthal Act and the FDCPA

23 February 2011

FDCPA and Other Consumer Lawsuit Statistics, January 16-31

17 February 2011

ADMA Applauds Court's Decision to Enforce FDCPA

14 February 2011

Manny Newburger and Fair Debt Consultants Release Third DVD in The Compliant Collector Training Series

8 February 2011

Five Signs That a Debtor is Trying to Entrap You Into an FDCPA Lawsuit

7 February 2011

Consumers Union Issues Scathing Report on ARM Industry

3 February 2011

Solutions to the Collection Letter Pop Quiz

3 February 2011

FDCPA Section 805(b): Literal Interpretation is a Mistake in the Probate Process

31 January 2011

FDCPA and Other Consumer Lawsuit Statistics, January 1-15

27 January 2011

Bill Bartmann Wants Collectors to Pay $10,000 for FDCPA Violations

25 January 2011

Interactive Data Reduces ARM Clients' Litigation Exposure

19 January 2011

Court Rules FDCPA Applies to Communications with Debtor's Attorney

14 January 2011

Nearly 11,000 FDCPA Lawsuits Filed in 2010

12 January 2011

Judge Dismisses Lawsuit Against Department of ED Alleging FDCPA Violations

23 December 2010

FTC Policy on Deceased Debt on the Right Track; Clarifies FDCPA

21 December 2010

Lawsuits Against Debt Collectors Drop in Second Half of November

15 December 2010

Getting FDCPA Complaints Dismissed Using Twombly And Iqbal

6 December 2010

Increased FDCPA Lawsuits Signal Successful Crackdown on Debt Collectors

3 December 2010