The Consumer Financial Protection Bureau and Federal Trade Commission filed an
The FDCPA provides that a "debt collector" must send a consumer a notice containing important information about the consumer's debt and rights either in "the initial communication" or within "five days after the initial communication with a consumer in connection with the collection of any debt."
Consumers have 30 days after receiving such a notice to dispute the debt and to request information about the original creditor.
The arguments in the brief filed by the CFPB and FTC state that every collector contacting a consumer - not simply the first debt collector attempting to collect a particular debt - must send a notice that complies with this provision.
The brief states that the district court "