Debt collectors are regulated by the FTC on the federal level. At the state level, attorneys general are typically responsible for enforcing state and federal laws. A few local governments also separately regulate debt collectors. The laws that govern the ARM industry are civil, meaning that liability is almost always monetary. So a state’s attorney general will not file criminal charges against a debt collector accused of violating the law, rather, he/she will sue for damages. Collection laws include federal and state statutes that govern the proper operation of companies and personnel that work in the debt collection industry. The most comprehensive collection law is the Fair Debt Collection Practices Act (FDCPA). Other federal laws that collectors must follow include the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA) and the data security requirements of the Gramm–Leach–Bliley Act (GLBA).

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5th Cir. Holds Threat of Lawsuit to Collect Partially Time-Barred Debt Did Not Violate FDCPA

21 September 2017

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This First-Party Thing is Heating Up

20 September 2017

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Court Rules “Reply-by” Date Falling Outside 30-day Validation Notice Not a FDCPA Violation

20 September 2017

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CFPB Report Highlights Debt Collection Issues; Collectors AND Creditors Should Take Note

13 September 2017

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9th Circuit Opinion Highlights Right to Cure Provision in California’s Rosenthal FDCPA

12 September 2017

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The Gathering Avalanche: “Robocall” Blocking, and What Can be Done

11 September 2017

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3rd Circuit: 2nd Collection Letter Within 30 Days of First Letter is "Overshadowing"

7 September 2017

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New Collection Letter Lawsuits in California and New York: What Your Agency Needs to Know Now

30 August 2017

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3 Lessons You Should Take From the Latest 1099(c) Letter Case

30 August 2017

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California District Court Dismisses FDCPA Claim Over a Potential Convenience Fee for Lack of Article III Standing Under Spokeo

23 August 2017

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TCPA Student Loan Calls Case Dismissed – Court Determines TCPA Exception Applied

23 August 2017

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District Court Holds 1099-C Language Not in Violation of FDCPA or ICAA

22 August 2017

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Oregon’s District Court: Collection Agencies’ Omissions Don’t Automatically Equal Malevolence

15 August 2017

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Debt Collector Prevails by Using Safe Harbor Language on Letters in Current Balance Case

15 August 2017

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FDCPA Bona Fide Error Defense Did Not Protect Debt Collector Despite Following Controlling Precedent, En Banc Seventh Circuit Rules

9 August 2017

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Two FDCPA Class Actions Dismissed, Citing Supreme Court Ruling in Midland v. Johnson

3 August 2017

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First Party Servicing on Medical Accounts: The Federal and State Landscape Continues to Shift

1 August 2017

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FDCPA Case Law Review for June and July 2017

31 July 2017

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Massachusetts Attorney General Announces Consent Agreement with Debt Collection Law Firm

27 July 2017

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Midland Dodges Class Certification Request in Illinois Letter Case

27 July 2017