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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Who is Driving Change in the ARM Industry: Regulators or Creditor Clients?
1 November 2013
Top Predictions for the ARM Industry
1 November 2013
Homepage Poll: Damages Caps on TCPA Lawsuits?
31 October 2013
State AG Sues Debt Buyer Over "Robosigning" of Affidavits
31 October 2013
How much is too much damage in a TCPA lawsuit?
31 October 2013
Let My Halloween Tradition Save You Money on TCPA Compliance
31 October 2013
Ethics for Creditors Rights Attorneys, CLE Ethics Credits Offered
30 October 2013
FOX News is Now Throwing Debt Collectors Under the Bus
30 October 2013
Buried in Chase's Legal Battles is a Game-Changer for Debt Collection
30 October 2013
CFPB Simplifies Regulation E, and Debt Collectors Should Pay Attention
29 October 2013
Original Intent of the TCPA Has Been Perverted: U.S. Chamber Paper
29 October 2013
New York City Tries to Ban Collection Agency
28 October 2013
BBB Sounds Alarm on Collectors Impersonating Law Enforcement
25 October 2013
Poll: Debt Collectors Want Clarity from CFPB on Written Communication
25 October 2013
FTC Has Court Shut Down Collector of Fake Payday Loan Debts
24 October 2013
Eric M. Berman Recipient of NARCA 2013 President's Award
24 October 2013
CFPB: Individuals and Corporations Can be Penalized for Wrongdoing
24 October 2013
CFPB Probing PayPal Loan Unit Over Debt Collection and Other Issues
23 October 2013
TCPA Lawsuits Really Are Growing Compared to FDCPA Claims
22 October 2013
Amidst ARM Market Changes, M&A Strategies are Being Refined
22 October 2013
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