BREAKING: CFPB Sues Maryland Debt Collection Company

The United States Court of Appeals for the Third Circuit recently affirmed a District Court’s decision granting a debtor’s motion for summary judgment and finding that a quick response (“QR”) code printed on the outside of an envelope that revealed the debtor’s account number when scanned violated the Fair Debt Collection Practices Act (“FDCPA”). See DiNaples v. MRS BPO, LLC, 934 F.3d 275 (3d Cir. 2019). In the case, the defendant debt collector sent a collection letter to the debtor, and the outside of the envelope included a QR code.