Consumer Financial Protection Bureau Final Rule for the Fair Debt Collection Practice Act Scheduled to Take Effect in Late 2021 and Effects of Same

In 1977, the United States Congress passed the Fair Debt Collection Practices Act (“FDCPA”), to protect consumers from unfair and deceptive practices and to eliminate abusive practices in the debt collection industry without imposing unnecessary restrictions on ethical debt collectors.1 Prior to the FDCPA, the Federal Trade Commission (“FTC”) had the responsibility of protecting consumers from abusive collection efforts; however, the FTC was unable to stem or control the wave of collection abuses sweeping throughout the country. As the result, Congress sought to implement new laws that would curtail collection abuses and deceptive practices.

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Kandy Messenger

Kandy Messenger

Kandy E. Messenger is a Shareholder of Sprott Newsom Quattlebaum & Messenger, PC and an experienced litigator who has successfully represented clients in complex civil litigation matters in both federal and state courts throughout Texas and the United States.  She has successfully tried cases to final verdict in both state and federal courts and successfully […]

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