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HERNANDEZ v. WILLIAMS, ZINMAN & PARHAM PC

No. 14-15672.

829 F.3d 1068 (2016)

Maria HERNANDEZ, on behalf of herself and all others similarly situated, Plaintiff-Appellant, v. WILLIAMS, ZINMAN & PARHAM PC, Defendant-Appellee.

United States Court of Appeals, Ninth Circuit.

Filed July 20, 2016.

Attorney(s) appearing for the Case

Aaron D. Radbil (argued), Greenwald Davidson PLLC, Boca Raton, Florida, for Plaintiff-Appellant.

Victoria Orze , (argued), Anne L. Tiffen , and Charles H. Oldham , Dickinson Wright PLLC, Phoenix, Arizona, for Defendant-Appellee.

Kristin Bateman (argued), Attorney; Nandan M. Joshi , Senior Litigation Counsel; To-Quyen Truong , Deputy General Counsel; Meredith Fuchs , General Counsel; Consumer Financial Protection Bureau, Washington, D.C.; for Amicus Curiae Consumer Financial Protection Bureau.

Burke W. Kappler , Colin Hector , and Thomas E. Kane , Attorneys; David C. Shonka , Principal Deputy General Counsel; Jonathan E. Nuechterlein , General Counsel; Federal Trade Commission, Washington, D.C.; for Amicus Curiae Federal Trade Commission.

Before: John T. Noonan, Ronald M. Gould, and Michelle T. Friedland, Circuit Judges.

OPINION

The Fair Debt Collection Practices Act ("FDCPA") requires that within five days of "the initial communication" with a consumer about the collection of a debt, a debt collector must send the consumer a notice containing specified disclosures. 15 U.S.C. § 1692g(a). The question presented here is whether...

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