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Fair Debt Collection Practices Act

1 BUREAU OF CONSUMER FINANCIAL PROTECTIONBUREAU OF CONSUMER FINANCIAL PROTECTION | MARCH 2021 fair debt Collection Practices Act CFPB Annual Report 2021 2 BUREAU OF CONSUMER FINANCIAL PROTECTIONM essage from Dave Uejio Acting Director of the CFPB The Bureau of Consumer Financial Protection (Bureau or CFPB) and the Federal Trade Commission (Commission or FTC) are pleased to present the 2021 fair debt Collection Practices Act (FDCPA) Annual Report. In 1977, Congress passed the FDCPA to eliminate abusive debt Collection Practices by debt collectors while ensuring that those debt collectors who refrain from using abusive debt Collection Practices are not competitively disadvantaged.

The Bureau received approximately 82,700 complaints about first-party and third-party debt collection in 2020, an increase of approximately 10 percent compared to 2019, making debt

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