On January 13, 2017, the United States Supreme Court agreed to hear a case presenting the question whether a financing company that purchases delinquent debts and begins collecting on those debts can be held liable under the Fair Debt Collection Practices Act (FDCPA). The Court will review the Fourth Circuit’s decision in Henson et al. v. Santander Consumer USA, Inc., to dismiss a FDCPA class action against Santander and to entertain Plaintiffs’ request to determine whether a financing company that regularly attempts to collect delinquent debts is a “debt collector” subject to the FDCPA.