Another Reason For Collectors To Be Cautious When Calling Consumer Cell Phones

John Rossman

A majority of younger consumers today have no landline and rely solely upon a cell phone for communicating with others.  While the legal difficulties arising under the Telephone Consumer Protection Act for contacting a consumer on a cell phone are well-documented, a more nuanced issue took center stage recently.

On July 22, 2015, the CFPB issued a Consent Order assessing a total of $18.5 million against Discover Bank and other companies alleging that they – among other things – contacted consumers on their cell phones before 8 a.m. or after 9 p.m. in the time zone of residence of the consumer.  Read the full text of the consent order here

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