Consumer Collection Laws 102:
The Fair Debt Collection Practices Act and UDAAP Laws
What First Party Collectors Need to Know
A NorthLegal Webinar presented April 15, 2021
Duration: 2:00 hours:minutes
| Cost | How to Attend | How to Obtain Handouts |  |
The federal Fair Debt Collection Practices Act is one of the granddaddies of all collection laws. It is both broad and very specific in what it requires and prohibits collectors from doing. It contains rules that are obvious and rules that are surprising. Although it does not directly apply to all collectors, every consumer debt collector and everyone who supervises consumer debt collectors should have a good understanding of it.
The federal Consumer Financial Protection Act is a more recent entry into the world of collections law, more broadly prohibits "unfair, deceptive and abusive acts and practices" (UDAAP), and is equally (if not more) important to consumer debt collectors.
During this program, participants will gain a basic understanding of—
- Who the Fair Debt Collection Practices Act ("FDPCA") says it applies to and who it says it does not apply to
- Why it is absolutely necessary for collectors who are not governed by the FDCPA to understand it
- What the FDCPA and UDAAP laws prohibit collectors from doing
- What the FDCPA and UDAAP laws require collectors to do
- What the FDCPA has to say about things like—
- Frequency of calling
- Calling at the debtor's place of business
- When you must stop calling
- Talking with third parties (including when trying to locate the debtor)
- Post-dated checks
- Splitting payments among debts
- What the recent CFPB regulations have clarified and what they have left unresolved
NOTE: This program is intended only for employees of consumer lending
institutions. Please contact NorthLegal Training and Publications to obtain approval
before registering if you are not an employee of a consumer lending institution.
Cost/Registration
The fee to attend this archived program is $190.00 if paid by credit card or $200.00 if paid by check. For that fee, you or someone from your financial
institution may view this program as often as you like for a period of 180 days. (NOTE: If your financial institution registered for the live program, you already have free access to the archvied version for six months! Contact NorthLegal for information.)
How to Attend an On Demand Webinar | How to Obtain Handouts
To attend this NorthLegal Webinar, please do the following:
| • | Register. To register online using a credit card, visit the "Register" link, above. To register by mail, call NorthLegal at 623.537.7150. |
| • | Check your email. Within moments after you complete the registration process you should receive two emails. One will be a receipt for the transaction and the other will contain a link and instructions explaining how to use that link to attend the program. |
| • | Download the handout materials using the link appearing in the confirmation email. The confirmation email also includes the password needed to open the materials. |
Speaker: Eric North
Eric North, the primary speaker at the programs listed on this site, has represented the interests of credit unions and other financial institutions as an attorney with respect to litigation, compliance, governance, bankruptcy and collections matters since 1984. Eric has appeared in state and federal courts throughout the State of California, and has argued before the Ninth Circuit Court of Appeal.Eric is also a nationally recognized speaker on legal issues relating to consumer lending institutions, and has presented hundreds of programs on behalf of national, state and local leagues and associations from around the country.
Live program scheduling conflict?
No problem! Registration for a NorthLegal webinar automatically entitles you to watch it live AND to watch the archived version as many times as you like for six months!
If you or your staff can't make the live program, you still have plenty of time to watch when it is more convenient for you!