FDCPA News RSS Feed

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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US Capitol Building [Image by creator Gary from AdobeStock]

Debt Collection Should be on Congress' Mind, Congressional Research Service Suggests

26 October 2020
[Image by creator iQoncept from AdobeStock]

CFPB Settles with Encore for $15MM Civil Penalties and $78K Monetary Relief

19 October 2020
Image of a man's arm punched through a yellow wall, giving a thumbs up [Image by creator WayhomeStudio from AdobeStock]

Hopefully the End of the Debt Itemization Circus? 7th Cir. and CFPB Side with Debt Collector

15 October 2020
[Image by creator Chris Titze Imaging from AdobeStock]

Yes, Debt Collectors Can Still Call Numbers Supplied to Creditors as Part of Underlying Transaction

8 October 2020
Photo of stack of junk mail [Image by creator Witthaya from AdobeStock]

Are Your Debt Collection Communications Getting Through and Timed Right?

6 October 2020
[Image by creator enterlinedesign from AdobeStock]

Interest Disclosure Cases Haven't Stopped, but Plaintiffs Keep Losing

1 October 2020
New York skyline and Statue of Liberty [Image by creator THANANIT from AdobeStock]

In the Nick of Time: NYC DCA Releases Glossary and Translations of Commonly-Used Terms

30 September 2020
A small child in a superhero pose, wearing a blue t-shirt, red mask and red cape [Image by creator yuryimaging from AdobeStock]

The Slow Demise of Recent Collection Letter Overshadowing Claims

24 September 2020
[Image by creator aerogondo from adobestock]

2nd Cir. Holds FDCPA Defendant’s ‘Bona Fide Error’ Defense Should Go to Jury

22 September 2020
[Image by creator BillionPhotos from AdobeStock]

Bona Fide Error Defense Doesn't Always Apply in "Amount of Debt" Cases

14 September 2020
A line of open multi-colored highlighters [Image by creator pamela_d_mcadams from AdobeStock]

Credit Reporting Issues and False Threats from Debt Collectors—Featured Topics in CFPB's Supervisory Highlights

10 September 2020
Business man yelling into a megaphone [Image by creator motortion from AdobeStock]

CFPB Sues Encore for Issues Related to Collection Litigation and Time-Barred Debts (and the Irony Behind Some of These Claims)

9 September 2020
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Plaintiff's Counsel Drops the Ball, Court Grants Summary Judgment for Debt Collector

3 September 2020
A sea of small white paper boats "swimming up stream", with one blue boat swimming off to the side [Image by creator Worawut from AdobeStock]

Neither Snow Nor Rain Nor Heat Nor Gloom of Night: Debt Collection and the USPS

26 August 2020
[Image by creator enterlinedesign from AdobeStock]

Another Overshadowing FDCPA Claim Bites the Dust

25 August 2020
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Dismissals of Overshadowing/Letter Format Claims Continue in E.D.N.Y.

11 August 2020
A white computer keyboard with a large green key that says "Payment" [Image by creator ArtemSam from AdobeStock]

Attention ARM Leaders: Debt Collection Payment Portals are Communications Under the FDCPA

6 August 2020
Arms of 5 business people holding up different colored large "quote" marks [Image by creator Sergey Nivens from AdobeStock]

Consumer Relations Consortium Submits Comment to CFPB’s SNPRM for Time-Barred Debts

5 August 2020
Photo of a stethoscope curled on top of a white keyboard and blue clipboard [Image by creator Witthaya from AdobeStock]

7th Circuit Reiterates: Credit Reporting Medical Debts Separately is Not a Violation

4 August 2020
US Capitol Building [Image by creator Gary from AdobeStock]

New Bill in House, Would Amend FDCPA to Prohibit Consumer Debt Collection During National Disasters or Emergencies

29 July 2020

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