Collection Laws and Regulations News

Collections & Recovery

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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New Bill in House, Would Amend FDCPA to Prohibit Consumer Debt Collection During National Disasters or Emergencies

29 July 2020

Audit What You Credit Report or Lose the Bona Fide Error Defense

27 July 2020

ATDS Allegations Against Debt Collectors Simply not Plausible in Seventh Circuit, Says Illinois Court

23 July 2020

Colorado Announces Required Changes to Collection Notices

23 July 2020

7th Cir. Holds FCRA Requires Furnishers to Correctly Report Liability, but Not CRAs

22 July 2020

CFPB to Hold Symposium on Cost-Benefit Analysis of Consumer Financial Protection Regulations

22 July 2020

Here’s Everything You Need to Know About This Year's 8 Big TCPA Stories

21 July 2020

FCC Approves Call Blocking Safe Harbor

20 July 2020

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

20 July 2020

Legal-Related Language in Collection Letters, and How N.D. Illinois Can't Make Up Its Mind

16 July 2020

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

15 July 2020

Fractured ATDS Landscape: This Graphic Explains Why SCOTUS is Taking Another Look at the TCPA

13 July 2020

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

13 July 2020

CFPB Ratifies its Pre-Seila Activity—But What Does That Mean?

9 July 2020

TCPA Plaintiffs’ Lawyers Continue to Get Slapped Around in RICO Conspiracy Case

9 July 2020

Circuit Split on Standing Gets Wider: 11th Circuit Tosses FDCPA False/Misleading Claim

8 July 2020

A Dark Day for Free Speech: Supreme Court Upholds Statute Supposedly Preventing Robocalls–But at what Cost?

7 July 2020

U.S. Supreme Court Strikes Down Government Debt Exemption of TCPA

6 July 2020

Wash. AG Sues Debt Collector for Time-Barred Debt Issues

30 June 2020

Joint Industry Letter to NYCDCA Seeks Extension, Poses 25 FAQs

25 June 2020