(March 19, 2024, 9:24 AM EDT) -- ATLANTA — Convenience fees charged to borrowers who choose to make mortgage payments by phone or online are prohibited by the Fair Debt Collection Practices Act (FDCPA) where the fee is not expressly authorized by the agreement creating the debt, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) argue in an amicus curiae brief filed in the 11th Circuit U.S. Court of Appeals supporting arguments by two borrowers against overturning a trial court’s judgment in their favor as to unlawful debt collection practice....