Telephone Consumer Protection Act: Your Rights Under the TCPA
If you’ve ever picked up a ringing phone only to hear a prerecorded voice crow about a sales offer that you simply can’t refuse, you’ve experienced the annoyance that led Congress to pass the Telephone Consumer Protection Act. Although the TCPA was enacted in 1991, it hasn’t put an end to telemarketing and debt collection calls that invade your privacy and exasperate you. Thankfully, Congress gave the Federal Communications Commission broad authority to make rules to enforce the TCPA.
Periodically, the FCC updates the rules of the game. They did so in 2012 and again in 2016, making changes and clarifications in response to continued consumer complaints about telemarketers and debt collectors who cross the line.
The other change on the TCPA front came from the U.S. Supreme Court. A decision in Mims v. Arrow Financial Services said that a debt collection agency could be sued in federal court over violations of the TCPA. Consumers who sue can be awarded actual damages or $500 per call – and triple that if the caller knowingly and willfully violated the TCPA. The Supreme Court decision paved the way for many more consumers to stand up for their rights in federal court, as opposed to only being able to seek redress through state courts.
Follow the links below to learn more about the Telephone Consumer Protection Act.
Telephone Consumer Protection Act Overview – The TCPA provides broad consumer protections to prevent annoying landline and cell phone calls, as well junk faxes. Learn more about the history of the TCPA.
Telephone Consumer Protection Act Rules – Learn how the rules of the TCPA protect you.
How to Protect Your TCPA Rights – Use this handy guide to stop unwanted calls, and to lay the groundwork for a successful lawsuit.
Debt & Credit Lawyer holds TCPA violators accountable, and works to get you the justice you deserve. If you believe your TCPA rights have been violated, call us at 203-529-5100 for a free, no obligation case evaluation.