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Book Synopsis Fair Debt Collection Practices Act by : Consumer Financial Consumer Financial Protection Bureau
Download or read book Fair Debt Collection Practices Act written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2016-03-22 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Consumer Financial Protection Bureau ("CFPB" or "the Bureau") is pleased to submit to Congress its third annual report summarizing its activities to administer the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692 et seq. The Bureau shares overall FDCPA enforcement responsibility with the Federal Trade Commission ("FTC" or "Commission"). The FTC has provided the Bureau with a letter summarizing its debt collection activities during the past year. Information about the FTC's activities is incorporated into this report, and the FTC's letter is included as Attachment A. The Bureau is grateful to the FTC for assistance in preparing this report. As detailed in this report, the Bureau and FTC closely collaborate to promote efficient and effective coordination on debt collection matters. This report:(1) provides background on the debt collection market; (2) summarizes the Bureau's consumer response function and the number and types of consumer complaints about debt collection that the Bureau and the FTC received in 2013; (3) describes the Bureau's debt collection supervision program; (4) presents developments in the Bureau's and FTC's law enforcement and advocacy programs; (5) discusses the Bureau's and FTC's education and outreach initiatives; and (6) discusses the Bureau's ANPR, as well as additional Bureau and FTC research and policy initiatives.
Book Synopsis Fair Debt Collection Practices ACT Cfpb Annual Report 2014 by : Consumer Financial Consumer Financial Protection Bureau
Download or read book Fair Debt Collection Practices ACT Cfpb Annual Report 2014 written by Consumer Financial Consumer Financial Protection Bureau and published by CreateSpace. This book was released on 2015-06-18 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Consumer Financial Protection Bureau ("CFPB" or "the Bureau") is pleased to submit to Congress its third annual report summarizing its activities to administer the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692 et seq. The Bureau shares overall FDCPA enforcement responsibility with the Federal Trade Commission ("FTC" or "Commission"). The FTC has provided the Bureau with a letter summarizing its debt collection activities during the past year. Information about the FTC's activities is incorporated into this report, and the FTC's letter is included as Attachment A. The Bureau is grateful to the FTC for assistance in preparing this report. As detailed in this report, the Bureau and FTC closely collaborate to promote efficient and effective coordination on debt collection matters.This report (1) provides background on the debt collection market; (2) summarizes the Bureau's consumer response function and the number and types of consumer complaints about debt collection that the Bureau and the FTC received in 2013; (3) describes the Bureau's debt collection supervision program; (4) presents developments in the Bureau's and FTC's law enforcement and advocacy programs; (5) discusses the Bureau's and FTC's education and outreach initiatives; and (6) discusses the Bureau's ANPR, as well as additional Bureau and FTC research and policy initiatives.
Book Synopsis Fair Debt Collection Practices Act by : United States. Consumer Financial Protection Bureau
Download or read book Fair Debt Collection Practices Act written by United States. Consumer Financial Protection Bureau and published by . This book was released on 2012 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Debt Collection Practices by : United States. Federal Trade Commission
Download or read book Fair Debt Collection Practices written by United States. Federal Trade Commission and published by . This book was released on 1979 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Debt Collection Practices Act by : Barry Leonard
Download or read book Fair Debt Collection Practices Act written by Barry Leonard and published by DIANE Publishing. This book was released on 2011 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a print on demand edition of a hard to find publication. This annual report summarizes the admin. and enforcement actions the FTC has taken under the Fair Debt Collection Practices Act (FDCPA), during 2009. These actions are part of the FTC¿s ongoing effort to curtail deceptive, unfair, and abusive debt collection practices. Such practices cause substantial consumer injury, including payment of amounts not owed, unintended waivers of rights, invasions of privacy, and emotional distress. The FDCPA prohibits deceptive, unfair, and abusive practices by third-party collectors. This report summarizes: (1) the types of consumer complaints the FTC received in 2009; (2) recent developments in FTC law enforcement; and (3) the FTC¿s 2009 consumer and industry education and policy initiatives. Illus.
Book Synopsis Fair Debt Collection Practices Act by : Consumer Financial Protection Bureau (CFPB)
Download or read book Fair Debt Collection Practices Act written by Consumer Financial Protection Bureau (CFPB) and published by . This book was released on 2012-06-21 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Consumer Financial Protection Bureau is pleased to submit to Congress its first annual report summarizing its activities to administer the Fair Debt Collection Practices Act, during the past year. These activities represent the Bureau's inaugural effort to curtail deceptive, unfair, and abusive debt collection practices in the marketplace prohibited by the FDCPA. Illegal collection practices cause substantial harm to consumers, who may pay amounts not owed, unintentionally waive their rights, suffer emotional distress, and experience invasions of privacy. Such practices can even place consumers deeper in debt.
Book Synopsis The Semi-annual Report of the Consumer Financial Protection Bureau by : United States. Congress. House. Committee on Financial Services
Download or read book The Semi-annual Report of the Consumer Financial Protection Bureau written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2013 with total page 155 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Debt Collection Practices Act Annual Report:Federal Trade Commission Enforcement Actions and Consumer and Industry Education Initiatives in 2001 by :
Download or read book Fair Debt Collection Practices Act Annual Report:Federal Trade Commission Enforcement Actions and Consumer and Industry Education Initiatives in 2001 written by and published by DIANE Publishing. This book was released on with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Supplement to Fifteenth Annual Report to Congress Pursuant to Section 815(a) of the Fair Debt Collection Practices Act by : United States. Federal Trade Commission
Download or read book Supplement to Fifteenth Annual Report to Congress Pursuant to Section 815(a) of the Fair Debt Collection Practices Act written by United States. Federal Trade Commission and published by . This book was released on 1993 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bad Paper written by Jake Halpern and published by Macmillan + ORM. This book was released on 2014-10-14 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs. Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.
Book Synopsis Your Money, Your Goals by : Consumer Financial Consumer Financial Protection Bureau
Download or read book Your Money, Your Goals written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2015-03-18 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.
Book Synopsis Fair Debt Collection Practices Act by : LandMark Publications
Download or read book Fair Debt Collection Practices Act written by LandMark Publications and published by . This book was released on 2017-03-07 with total page 520 pages. Available in PDF, EPUB and Kindle. Book excerpt: THIS CASEBOOK contains a selection of U. S. Court of Appeals decisions that analyze, discuss and apply provisions of the Fair Debt Collection Practices Act. The selection of decisions spans from 2014 to the date of publication. FDCPA generally bars the use of "false, deceptive, or misleading representation or means in connection with the collection of any debt." 15 U.S.C. § 1692e. Section 1692e sets forth a non-exhaustive list of sixteen practices specifically prohibited, including a catch-all provision that bars "[t]he use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer." 15 U.S.C. § 1692e(10). A single violation of § 1692e is sufficient to hold a debt collector liable pursuant to FDCPA. See 15 U.S.C. § 1692k (establishing civil liability for "any debt collector who fails to comply with any provision of this subchapter"). Altman v. JC Christensen & Associates, Inc., 786 F. 3d 191 (2nd Cir. 2015). The FDCPA was enacted in the context of existing Federal Trade Commission (FTC) regulation of unfair and deceptive debt-collection practices. Jeter v. Credit Bureau, Inc., 760 F.2d 1168, 1172-75 (11th Cir. 1985). Despite existing regulation, Congress found "abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors." 15 U.S.C. § 1692(a). "Existing laws and procedures for redressing these injuries [were] inadequate to protect consumers." Id. § 1692(b). Bishop v. Ross Earle & Bonan, PA, (11th Cir. 2016). Congress set out to correct these problems by supplementing and expanding upon existing debt-collection regulations. Jeter, 760 F.2d at 1174. The declared purpose of the FDCPA is "to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses." 15 U.S.C. § 1692(e). To advance these goals, the FDCPA codified several specific consumer-protective rights. Most significantly, the FDCPA gave consumers a private right of action to enforce its provisions against debt collectors. Id. Bishop v. Ross Earle & Bonan, PA, ibid.
Book Synopsis Fair Debt Collection Practices Act by : LandMark Publications
Download or read book Fair Debt Collection Practices Act written by LandMark Publications and published by . This book was released on 2019-09-05 with total page 542 pages. Available in PDF, EPUB and Kindle. Book excerpt: THIS CASEBOOK contains a selection of U. S. Court of Appeals decisions that analyze, interpret and apply provisions of the Fair Debt Collection Practices Act. Volume 1 covers the District of Columbia Circuit and the First through the Fifth Circuit Court of Appeals. * * * Congress enacted the FDCPA in 1977 "to eliminate abusive debt collection practices by debt collectors" and "to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged." 15 U.S.C. � 1692(e). It provides a private right of action against debt collectors who violate its provisions. 15 U.S.C. � 1692k; see also Brown v. Card Serv. Ctr., 464 F.3d 450, 453 (3d Cir. 2006). "As remedial legislation, the FDCPA must be broadly construed in order to give full effect to these purposes." Caprio v. Healthcare Revenue Recovery Grp., LLC, 709 F.3d 142, 148 (3d Cir. 2013)."To prevail on an FDCPA claim, a plaintiff must prove that (1) she is a consumer, (2) the defendant is a debt collector, (3) the defendant's challenged practice involves an attempt to collect a 'debt' as the [FDCPA] defines it, and (4) the defendant has violated a provision of the FDCPA in attempting to collect the debt." St. Pierre v. Retrieval-Masters Creditors Bureau, Inc., 898 F.3d 351, 358 (3d Cir. 2018) (quoting Douglass v. Convergent Outsourcing, 765 F.3d 299, 303 (3d Cir. 2014)). [. . .][T]he statute defines "debt collector" as any person (1) "who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts" (the "principal purpose" definition), or (2) "who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another" (the "regularly collects" definition). 15 U.S.C. � 1692a(6). The statute thus provides two separate paths to establishing an entity's status as a "debt collector." See Henson, 137 S.Ct. at 1721.Barbato v. Greystone Alliance, LLC, 916 F. 3d 260 (3rd Cir. 2019)
Book Synopsis The Consumer Financial Protection Bureau (Cfpb) by : David Carpenter
Download or read book The Consumer Financial Protection Bureau (Cfpb) written by David Carpenter and published by CreateSpace. This book was released on 2014-10-31 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title X of the Dodd-Frank Act is entitled the Consumer Financial Protection Act of 2010 (CFP Act). The CFP Act establishes the Bureau of Consumer Financial Protection (CFPB or Bureau) within the Federal Reserve System (FRS) with rule making, enforcement, and supervisory powers over many consumer financial products and services, as well as the entities that sell them. The CFP Act significantly enhances federal consumer protection regulatory authority over non depository financial institutions, potentially subjecting them to comparable supervisory, examination, and enforcement standards that have been applicable to depository institutions in the past.
Book Synopsis Consumer Credit Reports: a Study of Medical and Non-medical Collections by :
Download or read book Consumer Credit Reports: a Study of Medical and Non-medical Collections written by and published by . This book was released on 2014 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :512 pages Book Rating :4.:/5 (327 download)
Book Synopsis The Consumer Financial Protection Bureau's Semiannual Report to Congress by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book The Consumer Financial Protection Bureau's Semiannual Report to Congress written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2017 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Federal Reserve System Purposes and Functions by : Board of Governors of the Federal Reserve System
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
