Eleventh Circuit Renews the FDCPA as a Consumer Privacy Statute; Deals Major Blow to Debt Collection Services Industry | Adams and Reese LLP

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Does the federal Fair Debt Collection Practices Act (the FDCPA) apply to communications between a debt collector and its vendors? And, is the FDCPA a consumer privacy statute?  In an apparent issue of first impression, the Eleventh Circuit answered a resounding
yes.
In an April 21, 2021 opinion:
Richard Hunstein v. Preferred Collection and Management Services, Inc., the Eleventh Circuit ruled that a debt collector’s transmittal of a consumer’s personal information to a dunning vendor was a third-party communication in violation of 15 U.S.C. § 1692c(b). 
This opinion has the potential to upend the way debt collectors – including financial institutions that may be considered a debt collector under the FDCPA – run their businesses.  At least in the short term, this opinion will likely result in a new wave of FDCPA class action lawsuits, particularly in the Eleventh Circuit (Alabama, Florida, and Georgia).

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