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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New York Enacts Significant Changes Impacting Debt Collection Lawsuits
29 November 2021
The New York Large Print Notice Is Fuzzy in Any Format
2 November 2021
11th Circuit Issues Substitute Opinion in Hunstein; Will Dissent provide Key for Defense Against Copycats?
29 October 2021
Maryland High Court Rules Debtors’ Attempts to Void Judgments for Unlicensed Debt Collection Subject to 3-Year SOL
27 October 2021
Vindication!: Court Reconsiders Anti-Facebook Pleadings Decision–Says Facebook Matters at the Pleadings Stage After All
19 October 2021
Countdown to Reg F - Still have Questions for the CFPB? There's a Portal for That.
18 October 2021
Federal Court Agrees with Debt Collectors; Holds Two Hunstein Copycat Plaintiffs Have Standing in Federal Court
7 October 2021
7th Cir. Holds Collecting ‘Fees on Fees’ Did Not Violate the FDCPA
29 September 2021
DFPI Sanctions Debt Collector in First Action Under the California Consumer Financial Protection Law
27 September 2021
Think Differently: How Consumer Preference Will Shape the Future of Collections
22 September 2021
7th Cir. Holds FDCPA ‘Debt Validation Notice’ and ‘Caller Identification’ Issues Not Enough for Standing
14 September 2021
D.C. Emergency and Temporary Legislation Limiting Collection Activities to Take Effect September 23, 2021
8 September 2021
10th Circuit Says Single Phone Call is Sufficient for Standing, Blasts Defense Counsel for Presenting Bona Fide Error Defense Without Procedures.
26 August 2021
6th Cir. Holds Mere Confusion Does Not Impart Article III Standing, Reverses FDCPA Ruling in Favor of Defendant
25 August 2021
CA DFPI Issues Draft Rules to Implement CCFPL Provisions on Complaint Handling, UDAAP Definition for Commercial Transactions
24 August 2021
140 Days Later: Here Are Five Things To Know (Right Now) About How Courts Are Handling ATDS Cases Post Facebook
23 August 2021
Does Your Collection Agency Name Violate Regulation F? [Podcast]
19 August 2021
Utah District Court Finds Petition Clause Bars FDCPA Suit Brought Against Debt Buyer for Filing Collection Suit Without a License
18 August 2021
D.C. City Council Amends Emergency Debt Collection Bill
5 August 2021
CFPB Finalizes Regulation F Implementation Date: What Your Organization Needs To Consider in Order To Be “Reg F Ready”
3 August 2021