Fair Debt Collection Practices Act

The CFPB’s 2025 Annual Report examines how debt collection practices affected consumers during 2024, drawing on complaint data, supervision findings, enforcement actions, and policy developments. It highlights recurring consumer issues such as attempts to collect debts not owed, communication practices, and compliance gaps identified during examinations. The report also outlines how regulators are responding through oversight, legal activity, and consumer education efforts. Together, these insights offer a clearer picture of how debt collection regulation continues to evolve.