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).

See all Topics
Friendly-looking employee wearing an apron opening the door to a restaurant [Image by creator Panumas from AdobeStock]

Nevada Allows Collection Agencies to Re-Open

5 June 2020

Child holding can and string phone to ear [Image by creator Chepko Danil from AdobeStock]

9th Cir. Holds "Called Party" is Current Subscriber, Rejects "Intended Recipient" Approach

4 June 2020

A person pushing a button on a laptop that appears to have illustrated white envelopes jumping out of it [Image by creator ra2 studio from AdobeStock]

In Email, Linked Pages are Considered Part of the "Whole" Message When Evaluating the FDCPA, According to New Mexico Court

3 June 2020

Referee indicating timeout [Image by creator sixdays from AdobeStock]

Nevada Extends Collection Moratorium Until June 30

1 June 2020

 [Image by creator enterlinedesign from AdobeStock]

Legal Action Letter Language Not Considered a False Threat of Litigation

28 May 2020

Illustration of a business man with a magnifying glass following $ signs [Image by creator spectrumblue from AdobeStock]

Court Transfers Carpet Bagging TCPA Class for Improper Attempt to Bend Venue Rules to Take Advantage of 9th Circuit Case Law

28 May 2020

A spiral pad with the word "UPDATE" and a hand-drawn bar that is half filled and the word "loading" underneath [Image by creator Marco2811 from AdobeStock]

Idaho Extends Temporary Guidance Relaxing Branch Licensing for Work From Home Licensee Employees

26 May 2020

 [Image by creator Chris Titze Imaging from AdobeStock]

Court Rejects TCPA Claim Where Plaintiff’s Counsel Knowingly Sent Revocation Letter to Improper Address

26 May 2020

A small child in a superhero pose, wearing a blue t-shirt, red mask and red cape [Image by creator yuryimaging from AdobeStock]

The Tide is Changing: E.D.N.Y. Sanctions Plaintiff's Counsel under FDCPA, Awards ~$37k in Fees/Costs to Debt Collector

21 May 2020

A spiral pad with the word "UPDATE" and a hand-drawn bar that is half filled and the word "loading" underneath [Image by creator Marco2811 from AdobeStock]

Connecticut Extends its No-Action Position Regarding Licensure of Home Branch Offices During COVID

21 May 2020

A person pushing a button on a laptop that appears to have illustrated white envelopes jumping out of it [Image by creator ra2 studio from AdobeStock]

Greene v. TrueAccord Further Refines Email Best Practices

20 May 2020

Clipboard with credit report and pen [Image by creator tashatuvango from AdobeStock]

The Purpose-Driven Pull: The Northern District of Illinois Reaffirms Debt Collection As A Permissible Purpose Under The FCRA

19 May 2020

Arms of 5 business people holding up different colored large "quote" marks [Image by creator Sergey Nivens from AdobeStock]

CFPB Extends SNPRM Comment Period Again Due to COVID

19 May 2020

Store with a "Sorry we're closed" sign hanging in the door [Image by creator Pitamaha from AdobeStock]

Maryland Issues Guidance for Collection Agencies Closing Temporarily or Permanently

18 May 2020

File drawer with one folder in focus, labeled "Licenses" [Image by creator tashatuvango from AdobeStock]

Minnesota Extends Work-From Home Guidance for Collectors

18 May 2020

US Capitol Building [Image by creator Gary from AdobeStock]

Big FCRA Changes Ahead? HEROES Act Would Ban Reporting of Adverse Information During National Emergencies—But Is This Workable?

18 May 2020

US Capitol Building [Image by creator Gary from AdobeStock]

House Version of New Stimulus Package Proposes Debt Collectors Go Into Debt So Consumers Don't Have To

14 May 2020

Illustration of a business man with a magnifying glass following $ signs [Image by creator spectrumblue from AdobeStock]

E.D.N.Y.: No Standing for Consumer to Bring FDCPA Claim Because It Wasn't Properly Disclosed in Bankruptcy Petition

14 May 2020

 [Image by creator doucefleur from AdobeStock]

Debt Collector TCPA Defendant Hit With $267MM Trial Verdict Rejected an $875k Demand at Mediation—is this Insurer Bad Faith?

13 May 2020

 [Image by creator bbourdages from AdobeStock]

Top 10 Things You Need to Know About the Big TCPA Supreme Court Case Oral Arguments

7 May 2020