The Consumer Financial Protection Bureau and Federal Trade Commission filed an amicus brief in the case of Hernandez v. Williams, Zinman & Parham (WZP), which concerns the interpretation and enforcement of the Fair Debt Collection Practices Act.

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."

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