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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Court Holds Collection Calls to a Wrong Person’s Home Phone are not a TCPA Violation

22 February 2017


Petitioners Seek Prior Express Written Consent for All Autodialed Calls to Cell Phones Under the TCPA

21 February 2017


District Court Judge Finds Collection Calls in Medical Case Are “Concrete Injury” Under Spokeo

16 February 2017


FTC Announces $700,000 Settlement with Debt Collector

15 February 2017


Interim Guidance Says 2-for-1 Regulation Rule Doesn't Apply to CFPB

15 February 2017


District Court Rules FDCPA Plaintiff Not Entitled to Second Bite of the Apple

14 February 2017


Court Rules 125 Calls in 135 Days is Not FDCPA Violation

9 February 2017


Tom Pahl Named Acting Director FTC Bureau of Consumer Protection

8 February 2017


FTC Announces Director of Consumer Protection Bureau Jessica Rich Will Step Down

7 February 2017


Trump Orders Review of Dodd-Frank; Wants to Roll Back Regulation of Financial Institutions

6 February 2017


9th Circuit Rejects "Worthless" Settlement in FDCPA Voicemail Case Where Message Left Was Similar to One Proposed by CFPB

2 February 2017


1st Cir. Holds IRS 1099-A Forms Did Not Violate Discharge Injunction

2 February 2017


President Says For Every New Regulation Two Must Be Eliminated

31 January 2017


Pennsylvania Judge Rules in Favor of Law Firm, Notes that Evidence Matters

31 January 2017


Refresher on Electronic Signatures and Regulation-E (sponsored)

30 January 2017


Oregon Court Rules in Favor of Agency Over Collection Letter

30 January 2017


Collector Contact Caps and the Application of “Regulatory Humility”

30 January 2017


Virginia Court Issues Nuanced Ruling in Case Involving Letters Referencing Wage Garnishment

26 January 2017


Trump Names Advocate of "Regulatory Humility" to Lead FTC

26 January 2017


7th Cir. Holds Judgment Against Bankruptcy Debtor’s Husband Did Not Violate Co-Debtor Stay

25 January 2017