For the last several years Telephone Consumer Protection Act (TCPA) complaints have been one of the most filed types of lawsuits across the country. When the TCPA was enacted, cell phones were not as ubiquitous as they are today. Tens of thousands of text messages can be sent with a push of a button; hundreds of telephone numbers can be called in the time it used to take to dial a single number. A violation of the TCPA carries a statutory penalty of $500, trebled to $1,500 if the conduct is deemed willful. In short, $500 x 1 isn’t the problem. $500 x 100,000 is the problem. Furthermore, on March 16, 2018 the long-awaited ruling from the DC Circuit Court of Appeals, in ACA International v. FCC, trimmed the scope of the TCPA. The appellants expansively defined “automatic telephone dialing system” and afforded callers one opportunity to call a cell phone to determine whether the number had been reassigned, whether or not the cell subscriber answered the phone. The FCC accepted comments from the public so that it may revisit and redefine these important areas of the TCPA. In the meantime the courts will continue to be tasked with interpreting the reach of the TCPA. In any event, banks and financial institutions should take what we call the Three C’s approach: Consent, Compliance and Communication.
- Background and Overview of the TCPA
- History of the law
- Statutory text
- Why it is so dangerous (and appealing to plaintiffs' lawyers)
- The role of the FCC in rulemaking
- The Rules
- Litigation trends
- Popular targets
- How plaintiffs’ attorneys have evolved
- How courts have reacted
- The Role of the FCC
- 2015 Omnibus Order: definition of auto dialer and other hot button issues
- Recent D.C. Circuit Court of Appeals decision overturning part of the 2015 Order
- FCC open comment period and court decisions following the DC Circuit’s decision
- Risks on the horizon and how they impact compliance
- Best compliance practices and takeaways
Who Should Attend?
Loss Mitigation and Collections Department Personnel, Regulatory Compliance Professionals, Legal Department Personnel
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