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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CFPB Debt Collection Questions Draw Thousand of Comments
6 January 2014
Appeals Court Rules Against ARM Firm in Collection Fee FDCPA Suit
3 January 2014
Columbia Ultimate 2013 Year in Review
3 January 2014
UDAAP Crackdown Should Keep Collection Agencies Alert
3 January 2014
No Debt Collection Charges for Accretive Health in Settlement with FTC
2 January 2014
State Proposal Targets Mortgage Deficiency Debt Collection
31 December 2013
Top Five New Year's Resolutions for the Debt Collection Industry
31 December 2013
New State Debt Collection Law Unintentionally Closes Check Program
30 December 2013
Member of CBE Companies' Leadership Team Appointed to Influential DBA International Roles
30 December 2013
Conflicting Decisions Cloud TCPA: Caution Is the Safest Route
20 December 2013
Could the CFPB Help Stem the Tidal Wave of TCPA Lawsuits?
20 December 2013
Fed Research Study Shows Negative Impact of Tighter State Debt Collection Laws
19 December 2013
Strict Collection Laws Reduce Credit Access According to Fed Paper
19 December 2013
The CFPB's Proposed Rulemaking - Takeaways from the First 1,000 Comments
19 December 2013
Sale of Bad Debt by Utility Companies: Proceed with Care
18 December 2013
Sen. Elizabeth Warren Introduces Bill Barring Employers from Using Credit History in Hiring
18 December 2013
Chase Sued (Again) for Robo-Signing in Debt Collection
18 December 2013
CFPB Sues Online Payday Lender and Debt Collection Agency
17 December 2013
FTC Ends Rulemaking On Caller ID Falsification Issues
17 December 2013
Court Rules in Favor of Collection Agency's "Good Faith" in TCPA Case
16 December 2013
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