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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An Open Letter to the CFPB: Court Rulings on Validation Notice Hurt Consumers and Collectors

22 January 2019


Reasonable Investigation Under FCRA: Two Times Might Not Be a Charm

22 January 2019


Massachusetts Debt Collection Regulations, An Explainer: Communications

17 January 2019


Lack of Settlement Payment Due Date Raises Issues in E.D. Wisc., “Promptly” is Not Enough

17 January 2019


Calif.'s Second Public Privacy Forum on CCPA in Review

15 January 2019


Sixth Circuit: “Cease” Requirement Includes Third Party Activities Put Into Action by Debt Collector

14 January 2019


Summary of Calif. AG Public Forum on Consumer Privacy Act in San Francisco

10 January 2019


Supreme Court Split in Unexpected Ways During Oral Arguments for Obduskey v. McCarthy & Holthus LLP

10 January 2019


Meaningful Attorney Involvement: Another Case Tells Us What Doesn't Qualify, but What Does?

9 January 2019

Top 9 Collection Industry Predictions for 2019

9 January 2019


New York Passes Law Addressing Collection of Decedents’ Debts

8 January 2019

Calif. AG Seeks Input on New Consumer Privacy Act in Public Forums

8 January 2019

Compliance Checklist for Collection Professionals – A Look Back at 2018’s Most Critical Issues

7 January 2019


Make Sure Debt Itemization Adds Up, According to District of Connecticut

19 December 2018


DC City Council to Vote on Bill That Limits Wage Garnishment

13 December 2018


November FDCPA Case Law Review

12 December 2018


Encore Enters $6M Settlement Agreement with 42 State AGs, DC AG in Affidavit Robosigning Matter

5 December 2018

D.N.J.: If Relationship Between Collector and Creditor is Clear, Including Chain of Title Does not Make Creditor Identification Unclear

4 December 2018

AdobeStock--DOC RABE Media--recommendation

CRC Proposes Comprehensive Solution to Consumer Communications Challenges

27 November 2018


Online Lending Policy Summit Offers Window Into Future of Collections

26 November 2018