Bankruptcy, Foreclosure & Collection Law

4.45

Advanced FDCPA Compliance Challenges and Violations

Credits Available
Credit Status Total
Alaska CLE Reciprocity 6 Total
Alabama CLE Approved 6 Total
Arkansas CLE Approved 6 Total
Arizona CLE Approved 6 Total
California CLE Approved 6 Total
Colorado CLE Approved 7 Total
Connecticut CLE Approved 6 Total
Delaware CLE Approved 6 Total
Florida CLE Approved 7 Total
Georgia CLE Approved 6 Total
Hawaii CLE Approved 6 Total
Iowa CLE Approved 6 Total
Illinois CLE Approved 6 Total
Indiana CLE Approved 6 Total
Kansas CLE Approved 7 Total
Kentucky CLE Approved 6 Total
Maine CLE Approved 6 Total
Minnesota CLE Approved 6 Total
Missouri CLE Approved 6 Total
Northern Mariana Islands CLE Approved 6 Total
Mississippi CLE Approved 6 Total
Montana CLE Approved 6 Total
North Carolina CLE Approved 6 Total
North Dakota CLE Approved 6 Total
Nebraska CLE Approved 6 Total
New Hampshire CLE Approved 6 Total
New Jersey CLE Approved 7.2 Total
New Mexico CLE Approved 6 Total
Nevada CLE Approved 6 Total
New York CLE Approved 7 Total
Ohio CLE Approved 6 Total
Oklahoma CLE Approved 7 Total
Oregon CLE Approved 6 Total
Pennsylvania CLE Approved 6 Total
Rhode Island CLE Approved 6 Total
South Carolina CLE Approved 6 Total
Tennessee CLE Approved 6 Total
Texas CLE Approved 6 Total
Utah CLE Approved 6 Total
Virginia CLE Approved 6 Total
Vermont CLE Approved 6 Total
Washington CLE Approved 6 Total
Wisconsin CLE Approved 7 Total
West Virginia CLE Approved 7.2 Total
Wyoming CLE Approved 6 Total
OnDemand
5 hours 51 minutes
Bruce Menkes
Crystal Duplay
James Sandy
Lynda Laing
Stuart Collis
With Bruce N. Menkes from Menkes Law LLC + 4 others
Recorded April 01, 2026.
Product ID 101759

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$449

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Overview

Prevent Risky Practices and Resolve Disputes

As the CFPB, FTC, and private litigants continue to expand interpretations of the FDCPA, attorneys must stay abreast of evolving obligations under Regulation F and related state law overlays.

This advanced-level CLE program provides a comprehensive and forward-looking analysis of the Fair Debt Collection Practices Act (FDCPA), focusing on sophisticated compliance challenges, recent legal developments, and emerging enforcement risks. Explore real-world case studies addressing gray areas in communication rules, advanced call frequency analysis, third-party vendor oversight, and cross-border servicing issues. The program integrates guidance from the Consumer Financial Protection Bureau (CFPB) and recent federal appellate rulings, helping you refine compliance programs and mitigate liability for their clients and organizations. By the end of the course, you will be able to identify key risk triggers, develop robust compliance frameworks, and apply nuanced legal analysis to high-stakes FDCPA issues. Register today!

Emphasis will be placed on:

  • Litigation trends around deceptive representations and improper validation notices.
  • Handling disputed debts and data accuracy.
  • Application and enforcement of Regulation F under the softer CFPB.
  • Avoiding UDAAP exposure while maintaining collection efficiency.
  • Advanced compliance monitoring and audit techniques.

Abbreviated Agenda

  1. Regulation F, Complex Communication Scenarios, and Digital Outreach
  2. Emerging Technology, Data Privacy, Vendor Risk, and Multijurisdictional Compliance
  3. FDCPA Litigation Trends and Case Law of Note
  4. High-Risk Debts and Misrepresentation Claims
  5. CFPB Advisory Opinions, Complaints, and Examinations
  6. Legal Ethics Challenges in Collections

Related Topics

Product ID 101759

Credit Details

Credits Available
Credit Status Total
Alaska CLE Reciprocity 6 Total
Alabama CLE Approved 6 Total
Arkansas CLE Approved 6 Total
Arizona CLE Approved 6 Total
California CLE Approved 6 Total
Colorado CLE Approved 7 Total
Connecticut CLE Approved 6 Total
Delaware CLE Approved 6 Total
Florida CLE Approved 7 Total
Georgia CLE Approved 6 Total
Hawaii CLE Approved 6 Total
Iowa CLE Approved 6 Total
Illinois CLE Approved 6 Total
Indiana CLE Approved 6 Total
Kansas CLE Approved 7 Total
Kentucky CLE Approved 6 Total
Maine CLE Approved 6 Total
Minnesota CLE Approved 6 Total
Missouri CLE Approved 6 Total
Northern Mariana Islands CLE Approved 6 Total
Mississippi CLE Approved 6 Total
Montana CLE Approved 6 Total
North Carolina CLE Approved 6 Total
North Dakota CLE Approved 6 Total
Nebraska CLE Approved 6 Total
New Hampshire CLE Approved 6 Total
New Jersey CLE Approved 7.2 Total
New Mexico CLE Approved 6 Total
Nevada CLE Approved 6 Total
New York CLE Approved 7 Total
Ohio CLE Approved 6 Total
Oklahoma CLE Approved 7 Total
Oregon CLE Approved 6 Total
Pennsylvania CLE Approved 6 Total
Rhode Island CLE Approved 6 Total
South Carolina CLE Approved 6 Total
Tennessee CLE Approved 6 Total
Texas CLE Approved 6 Total
Utah CLE Approved 6 Total
Virginia CLE Approved 6 Total
Vermont CLE Approved 6 Total
Washington CLE Approved 6 Total
Wisconsin CLE Approved 7 Total
West Virginia CLE Approved 7.2 Total
Wyoming CLE Approved 6 Total
Select Jurisdiction
CLE

Agenda

All times are shown in

  1. Regulation F, Complex Communication Scenarios, and Digital Outreach

    1. Email and Text Message Compliance
    2. Social Media and Public Disclosure
    3. The "Limited Content Message"
    4. Top Ways Debt Collectors are Messing Up Right Now

  2. Emerging Technology, Data Privacy, Vendor Risk, and Multijurisdictional Compliance

    1. Artificial Intelligence (AI) in Collections: UDAAP Risk and Best Practices
    2. The Interplay of FDCPA and State Law (e.g., California's Recent RFDCPA Amendments)
    3. Evolving Data Privacy Body of Law and Compliance Guidance
    4. Third-Party Oversight and Data Brokers in Collections
    5. Safeguards for Debt Collectors Using Service Providers

  3. FDCPA Litigation Trends and Case Law of Note

    1. Article III Standing After TransUnion and Progeny
    2. Use of Vendors by Debt Collectors
    3. Bona Fide Errors
    4. Convenience Fees

  4. High-Risk Debts and Misrepresentation Claims

    1. Debt Validity: Substantiation and Verification Hurdles
    2. Medical Debt in CFPB's Focus
    3. Time-Barred Issues

  5. CFPB Advisory Opinions, Complaints, and Examinations

  6. Legal Ethics Challenges in Collections

    1. Accurate and Truthful Statements (Duty of Candor)
    2. Communication With Represented Persons (Model Rule 4.2)
    3. Guarding Confidentiality
    4. Meritorious Claims and Contentions (Model Rule 3.1)

Who Should Attend

This legal course is designed for attorneys. Debt collectors, compliance professionals, and paralegals will also benefit.

Speakers

Bruce N Menkes
Bruce N.
Menkes
Menkes Law LLC
Crystal M Duplay
Crystal M.
Duplay
Frost Echols LLC
James W Sandy
James W.
Sandy
Hinshaw & Culbertson LLP
Lynda L Laing
Lynda L.
Laing
Strauss, Factor, Laing & Lyons
Stuart M Collis
Stuart M.
Collis
Collis, Griffor & Hendra PC
Speaker bio
Bruce N Menkes

Bruce N. Menkes

Menkes Law LLC
Bruce Menkes

is a partner in the Chicago law firm of Mandell Menkes LLC, where he represents lenders, merchants and equipment lessors. He helps clients with a wide variety of consumer and commercial finance matters; including negotiating and documenting co-brand and other payment card agreements for retailers, preparing agreements for lending and leasing transactions, and advising on privacy, data security and regulatory compliance issues. Mr. Menkes also litigates consumer and commercial finance disputes, including defending consumer class actions suits alleging violations of consumer fraud laws, Fair Debt Collection Practices Act and Truth in Lending Act. He is a past chair of the Debt Collection Practices and Bankruptcy Subcommittee of the Consumer Financial Services Committee of the American Bar Association. Mr. Menkes has written numerous articles, including "The FDCPA and the First Amendment" (Consumer Finance Law Quarterly Report, 2011). He earned his B.A. degree, highest honors, from William & Mary and his J.D. degree from the University of Chicago. Mr. Menkes is admitted to practice law in Illinois, before the U.S. District Court for the Northern District of Illinois (member of the Trial Bar), U.S. Court of Appeals for the Seventh Circuit and U.S. Supreme Court.

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Speaker bio
Crystal M Duplay

Crystal M. Duplay

Frost Echols LLC
Crystal Duplay

is an attorney with Frost Echols LLC. She has devoted her career to the creditor's rights practice area and advocates on behalf of clients in all aspects of collections. Ms. Duplay earned her B.A. degree from Baldwin Wallace University and her J.D. degree from Cleveland-Marshall College of Law at Cleveland State University. She frequently presents on various debt collection issues. Ms. Duplay is currently the secretary of the Ohio Creditor's Attorney Association and has served as a director for the National Creditor's Bar Association. She is licensed to practice law in Ohio, Wisconsin, U.S. District Court Northern District of Ohio and Supreme Court of the United States.

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Speaker bio
James W Sandy

James W. Sandy

Hinshaw & Culbertson LLP
James Sandy

is an experienced trial and appellate lawyer with Hinshaw & Culbertson LLP, who represents individuals, small businesses, and Fortune 500 companies in all aspects of civil and commercial litigation. Financial services companies of varying sizes have engaged Mr. Sandy based on his significant experience handling complex class action disputes in state and federal courts, in matters with financial exposure reaching seven figures. His primary focus is on assisting and advising national mortgage servicing companies, auto finance companies, banks, and small businesses in cases involving federal and state regulatory matters, arbitrations, consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), and state and federal lawsuits. Mr. Sandy regularly defends lawsuits brought under the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Ohio Consumer Sales Practices Act and other state UDAAP laws, Real Estate Settlement Procedures Act (RESPA), and Truth in Lending Act (TILA) in both state and federal courts. He also assists mortgage and auto finance clients with compliance matters, including protecting consumer data and privacy, as well as navigating the various complicated state regulatory regimes at play in the financial services context. Mr. Sandy is an experienced appellate advocate, having handled more than 80 appellate matters. He has delivered oral arguments before all 12 state appellate courts in Ohio, as well as before the Sixth Circuit Court of Appeals. Mr. Sandy also advises clients on general corporate and business matters including entity formation, corporate governance, and vendor and service agreements.

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Speaker bio
Lynda L Laing

Lynda L. Laing

Strauss, Factor, Laing & Lyons
Lynda Laing

is a partner in the law firm of Strauss, Factor, Laing & Lyons in Providence, Rhode Island, where her practice concentrates in the areas of collections and litigation. Ms. Laing is a member of the State Bar of Michigan, Rhode Island and American bar associations, Commercial Law League of America, and American Bankruptcy Institute. She served as chairperson of the Bench Bar Committee for the Rhode Island Bar Association. Ms. Laing earned her A.B. degree from Albion College and her J.D. degree from Case Western Reserve University Law School. 

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Speaker bio
Stuart M Collis

Stuart M. Collis

Collis, Griffor & Hendra PC
Stuart Collis

is a senior partner with Collis, Griffor & Hendra PC. He practices in the areas of collections/creditor's rights, civil litigation, commercial litigation, family law, divorce, child custody, paternity, criminal law, driver's license restoration and DUI/OWI/drunk driving. Mr. Collis is a trained mediator and has extensive experience with case evaluation procedures. He has also served on a number of state and national organizations, including NABA, WCBA, MCBA, CLLA, and the Michigan Department of Agriculture's Companion Animal Committee. Mr. Collis has been published extensively, including several republications. He has created and presented numerous educational sessions for interested organizations. Mr. Collis earned his B.A. degree from the University of Michigan and his J.D. degree, cum laude, from M. Cooley Law School.

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