The Fair Debt Collection Collection Act (FDCPA) was enacted in 1977 to curb consumers’ abuse and harassment by debt collectors. It addresses the collection of debts by creditors and by third-party debt collectors. When the law was enacted, the only technology available to contact consumers were phones, the mail, and knocking on their door. Computers existed, but most of them still took up an entire room.  There has been informal accommodation for technology changes; from the Act’s passage until today, nothing has formally addressed the massive changes in technology that have taken place in the last 43 years. The final rule issued by the Consumer Financial Protection Bureau (CFPB) released on October 30, 2020, finally gives debt collectors explicit permission to use a wide range of modern technologies to contact consumers while limiting how they can use technology.