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 Privileged Communications Legislation Passes Congress with Push from ACA
13 December 2012
Thank you ACA International: Your hard work is paying off!
13 December 2012
Appellate Court Affirms that FDCPA Does Not Cover Creditors
12 December 2012
FTC Submits Testimony to U.S. Civil Rights Commission on FCRA
11 December 2012
Mike Ginsberg: A Mixed Bag of Treats for ARM Professionals
10 December 2012
State Says Accretive Health Did Not Violate Debt Collection Laws
7 December 2012
CFPB and Justice Department Team Up on Fair Lending Enforcement
7 December 2012
Why Are TCPA Cases Against ARM Firms Rising as FDCPA Cases Fall?
6 December 2012
ACA International Sets CFPB Compliance Training Dates
6 December 2012
House Bill Could Kill Private Student Loan Debt Collection
4 December 2012
First CFPB Ombudsman Report Emphasizes Complaint Process
3 December 2012
FTC Fines Credit Repair Group $6.4 million After Ignoring Previous Order
3 December 2012
FCC Text Ruling: Everyone Wins
3 December 2012
3 Suggestions for Collection Agency Success
30 November 2012
Commercial Law League of America Hires New Executive Vice President
30 November 2012
SoundBite Communications Secures Successful FCC Declaratory Ruling for Text Messaging Compliance
30 November 2012
Regulatory Compliance, No Safety Net Required
28 November 2012
ACA International Announces CFPB Compliance Program
27 November 2012
Conviction Upheld for "Bags of Money" Debt Collector
26 November 2012
UK Regulator Cracks Down on Payday Lending Debt Collection
20 November 2012
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