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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Pennsylvania Debt Collection Laws: You’ve Got a Friend in Pennsylvania
28 March 2013
Oregon Debt Collection Laws: We Love Dreamers
27 March 2013
CFPB in Action: A Roundup of Recent Activity - March 27, 2013
27 March 2013
FTC Settles with ARM Firm for $800,000 Over Convenience Fees
27 March 2013
NARCA Collection Conference Focuses on Best Practices for Compliance and Performance
27 March 2013
None of the Collectors that Faced FTC Actions Last Year are Larger Market Participants
26 March 2013
Oklahoma Debt Collection Laws: Oklahoma is OK
26 March 2013
ACA International Comments on CFPB Report to Congress
26 March 2013
Statutes of Limitations Frustrate Debt Collectors and Consumers
25 March 2013
Ohio Debt Collection Laws: So Much to Discover
25 March 2013
Mobile: One More Tool in Your Collection Toolkit
22 March 2013
Debt Collectors Gone Wild? What The Media Doesn't Know
22 March 2013
North Dakota Debt Collection Laws: Legendary
22 March 2013
We Need a Bolder Solution to Consumer Education
22 March 2013
CFPB Releases Annual FDCPA Report to Congress After Active 2012
21 March 2013
North Carolina Debt Collection Laws: A Better Place to Be
21 March 2013
New Jersey Debt Collection Laws: Come See for Yourself
20 March 2013
FTC Director Discusses Federal Regulatory Limitations of FDCPA
20 March 2013
Dept. of Education Slashes Commissions for Private Debt Collection Contractors
19 March 2013
How About a Partnership with Fellow CFPB Supervisees from Other Industries?
19 March 2013
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