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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Be Careful What You Rely On: Washington Court Says Debt Collector’s Reasonable Reliance On Balance Amount From Creditor Not Enough To Avoid FDCPA Violation

4 September 2024

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3 September 2024

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Federal Judge Sanctions Pittsburgh Law Firm for Writing ‘Imaginary’ Letters on Behalf of Clients in Debt Disputes

28 August 2024

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Missouri Federal Court Dismisses FDCPA Claim Over Letters Sent to Plaintiffs’ Attorney

30 July 2024

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7th Cir. Upholds Rejection of Borrower’s FCRA and FDCPA Claims Arising from Collection and Reporting Post-Bankruptcy

24 July 2024

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15 July 2024

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24 June 2024

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Indiana Appeals Court Rules That a Passive Debt Buyer Is a Debt Collector under the FDCPA and State Law

19 June 2024

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District Court Highlights the Importance of Precise Dispute Letters When Challenging Debt Collection

18 June 2024

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General Counsel of the CFPB Delivers Remarks Focusing on Medical Collections and Tenant Screening

1 May 2024

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29 April 2024

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Forget About It: FDCPA Class Action Asserting Emails Sent at Inconvenient Time Will Fail

23 April 2024

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15 April 2024

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5th Circuit Reverses Judgment in FDCPA Case

10 April 2024

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Third Circuit Finds Pennsylvania Lending Law Does not Regulate Collection of Charged-off Debt

21 February 2024

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District Court Dismisses FDCPA Suit; Clarifies Debt Collector Communication on Identity Theft

11 January 2024

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3rd Circuit Affirms District Court’s Decision That Losing a Debt Collection Case Does Not Necessarily Violate FDCPA

11 January 2024

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CFPB Shuts Down Medical Debt Collector for Attempting to Collect Unverified Debt

19 December 2023

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District Court Grants MSJ for Debt Collector in FDCPA Case Based on Interest Rate in Payment Plan

12 December 2023

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Judge Dismisses FDCPA Case Alleging Violations Based on Undated Model Validation Notice

11 December 2023