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Fair Debt Collection Practices Act (FDCPA) Explained: Full Statute Breakdown, Purpose, Regulation F Updates, and Statutory Damages (2026 Guide)
The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §§ 1692–1692p, protects consumers from abusive debt collection. Under 15 U.S.C. § 1692k, a debt collector who violates the law is liable for actual damages, additional statutory damages of up to $1,000 in an individual action, and reasonable attorney’s fees. Courts consider the frequency, nature, and intentionality of the violations when setting the statutory amount.
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