When was the FDCPA enacted?

The Fair Debt Collection Practices Act was enacted on September 20, 1977 as Public Law 95-109 and became effective March 20, 1978. It is codified at 15 U.S.C. §§ 1692–1692p.

How much can I sue a debt collector for?

Under 15 U.S.C. § 1692k, you can recover actual damages, statutory damages up to $1,000 per individual lawsuit, and attorney fees and costs in a successful case.

What is the 7-in-7 rule under CFPB Regulation F?

Under 12 CFR § 1006.14(b), effective November 30, 2021, it is presumed a debt collector has violated the harassment prohibition if they call a consumer more than 7 times within 7 consecutive days about the same debt, or within 7 days after a phone conversation about that debt.

FDCPA Facts: 8 Verified Facts About Your Debt Collector Rights

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8 Verified FDCPA Facts With Primary Source Citations

The FDCPA (15 U.S.C. § 1692) was enacted September 20, 1977. Under § 1692c(c), consumers may demand all collector contact stop in writing. Violations are worth up to

8 Verified FDCPA Facts With Primary Source Citations

,000 plus attorney fees under § 1692k. CFPB Regulation F (effective November 30, 2021) presumes harassment at more than 7 calls per 7 days. Over 70 million Americans have debt in collections. The FDCPA covers third-party collectors only under § 1692a(6).

Every FDCPA violation is worth up to $1,000 in statutory damages. Use our free damages calculator to find out what your collector may owe you.

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