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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NCO Group to Pay $3.2 million Penalty in FTC Action
9 July 2013
Think Your Debt Dispute Process is Solid? Three Overlooked Laws Cause Turmoil
17 June 2013
New Report Targets Debt Buyers' Use of Courts in New York
11 June 2013
Collection Letter with Written Dispute Demand Violates FDCPA: Court
10 June 2013
ARM Data Exchange Standards Focus of FTC/CFPB Collection Roundtable
7 June 2013
CFPB Panel 2: Verifying Disputed Debts Under the FDCPA/FCRA
6 June 2013
CFPB Panel 1: Info Available to Debt Collectors at Time of Assignment, Sale
6 June 2013
John Tonetti: Flow During the Debt Cycle
6 June 2013
Powerful Senator Calls for FDCPA Reform in Letter to CFPB
5 June 2013
FTC, CFPB Invite Public to Submit Questions During Debt Collection Roundtable
5 June 2013
Multi-State Investigation Into Debt Collection Reportedly Underway
4 June 2013
Bill Introduced to Amend FDCPA for Medical Debt Reporting
29 May 2013
Small Claims Courts are Not Judicial Districts Subject to Section 1692i of FDCPA
16 May 2013
CFPB Returns Focus to Debt Collection: CFPB in Action
13 May 2013
Collecting Debt One Manually Dialed Call at a Time
10 May 2013
Dismissed Lawsuit Against Debt Buyer Tried to Hop on Robo-Signing Bandwagon
3 May 2013
Ontario Systems Webinar Offers Best Practices on Dialing Smarter
3 May 2013
FTC, CFPB to Co-Host Roundtable on Data Integrity in Debt Collection
2 May 2013
SoundBite Communications Expands Compliance Suite With New Contact Controls
2 May 2013
Calling a Consumer a Liar Grounds for Continuing FDCPA Case
29 April 2013