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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ARM in the Credit Card Sector: A New Opportunity Unfolding
28 September 2012
FTC and State AG Team Up on Rental Spying Debt Collection Case
27 September 2012
Improving the ARM Environment One Step at a Time
27 September 2012
Mike Ginsberg's Blog: The Current State of ARM
26 September 2012
ACA Responds to Negative Student Loan Debt Collection Article
25 September 2012
NARCA Files Amicus Brief with U.S. Supreme Court in FDCPA Case
25 September 2012
Couch, Conville & Blitt Hosts Legal Collections Strategy Summit
25 September 2012
State AG Goes After Adult Website Debt Collector
21 September 2012
ARM Industry Meeting Congress Today on FDCPA, TCPA, CFPB
20 September 2012
FDCPA Lawsuits Fall Slightly in Second Half of August
20 September 2012
FTC to Hold Summit on "Robocalls"; They Might Need Some Help
19 September 2012
FTC Action Shuts Down "Debt Relief" Operation
19 September 2012
Mike Ginsberg's Blog: The History of the ARM Industry
18 September 2012
Whitepaper and Webinar Will Look at TCPA Compliance and Technology for Debt Collection
18 September 2012
Debt Collectors Prevail in Recent FDCPA Cases
18 September 2012
Bad Check Debt Collection Takes its Turn at the Whipping Post
17 September 2012
FTC Tells House Panel that Enforcing the FCRA Remains a Priority of the Agency
14 September 2012
AG Staff Asks for ARM Industry Help Identifying Rogue Collectors
13 September 2012
Closely-Watched Debt Collection Process Serving Case Gets Class Action Status
12 September 2012
Collection Practices Lead to $13 million Penalty Against CashCall
11 September 2012
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