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The staff of the Federal Trade Commission has provided the Consumer Financial Protection Bureau (CFPB) with an annual summary of the FTC’s activities enforcing the Fair Debt Collection Practices Act (FDCPA).

The FTC shares enforcement responsibility for the FDCPA with the CFPB, which provides an annual report to Congress about debt collection enforcement activities. The annual report, which was released today, highlights both agencies’ efforts to stop unlawful debt collection practices, including law enforcement, education and public outreach, and policy initiatives. Among the actions taken to combat unfair, deceptive, and otherwise unlawful debt collection practices in 2019, the FTC:

• filed or resolved law enforcement actions against 25 defendants, and obtained more than $24.7 million in judgments;
• banned 23 companies and individuals who engaged in serious and repeated violations of law from ever working in debt collection again;
• announced the return of $516,000 to 3,977 consumers who lost money to an unlawful debt collection operation previously stopped by the FTC;
• deployed educational materials to inform consumers about their rights, and educate debt collectors about their responsibilities, under the FDCPA and FTC Act;
• supplied more than 27,500 copies of a fotonovela (graphic novel) on debt collection, developed for Spanish speakers, to raise awareness about scams targeting the Latino community;
• organized and cosponsored Common Ground conferences, bringing together law enforcement personnel, consumer advocates, and community members to discuss consumer protection issues, including debt collection; and
• hosted public forums on small business financing and credit reporting, which raised debt collection policy issues.

The letter also highlights FTC staff’s submission of a public comment on the CFPB’s proposed rules implementing the FDCPA. The comment provided an overview of the Commission’s law enforcement, policy, and education efforts to protect consumers from unlawful debt collection practices, and provided FTC staff feedback on several components of the proposed rules.

The Federal Trade Commission works to promote competition, and protect and educate consumers. You can learn more about consumer topics and file a consumer complaint online or by calling 1-877-FTC-HELP (382-4357). Like the FTC on Facebook, follow us on Twitter, read our blogs, and subscribe to press releases for the latest FTC news and resources.