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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Attention ARM Leaders: Debt Collection Payment Portals are Communications Under the FDCPA

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29 July 2020

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27 July 2020

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22 July 2020

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22 July 2020

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21 July 2020

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FCC Approves Call Blocking Safe Harbor

20 July 2020

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New York Renews Pandemic-Related Suspension on Collection of Certain State-Owned Debt

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16 July 2020

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4th Cir. Holds Each FDCPA Violation Subject to New Statute of Limitations

15 July 2020

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Constitutional Law and Third-Party Collections: Assessing the Supreme Court’s New Ruling on Federal Debt

13 July 2020

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