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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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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insideARM Weekly Recap- Week of April 22nd, 2024

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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insideARM Weekly Recap- Week of April 8, 2024

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

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Second Circuit Affirms Dismissal of FDCPA Case Holding Plaintiff Prompted Communication at Issue

28 November 2023

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SOL Accrues When Collection Suit Served, Says Court

12 October 2023

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Michigan Federal Court Grants Summary Judgment to Creditor on Standing Grounds in Case Alleging FDCPA Violation for Failure to Remove Dispute Notification

3 October 2023

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Compliance with Reg F is Not the Same as Compliance With the FDCPA, Says Court

21 September 2023

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Washington Federal Court Holds “Vague” and “Conclusory” References to “Reasonable Procedures” Not Enough to Establish FDCPA’s Bona Fide Error Defense

13 September 2023

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Failure to Allege FDCPA Violation in State Court Leads to Tossing of Federal Suit

7 September 2023

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New York District Court Approves Class Action in FDCPA Case Alleging Improper Debt Assignment Notification

6 September 2023