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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Credit Card Companies Get a Lift After Legislation Passes
3 June 2009
NY Attorney General Settles with Three Collection Agencies for $245,000 Total
3 June 2009
NY Attorney General Shuts Down Collection Agencies; Subpoenas 20 Others
28 May 2009
No White Flags Surrendering to Possible Identity Theft Here - Gila Corp Gets "Red Flag" Compliant
28 May 2009
Credit Card Bill Impact on ARM Industry Uncertain
27 May 2009
ACA Staff, Members Testify Before NY Assembly Committees on Behalf of Collectors
26 May 2009
CDIA to Host Third Teleseminar on ID Theft Red Flag Rules
26 May 2009
Health Care Reform May Restrict Hospitals? Collection Outsourcing Activities
22 May 2009
Banks Eager to Repay Bailout Money to Escape Government Control
21 May 2009
ASK THE EXPERTS: Will the TALF Program Benefit Debt Buyers?
19 May 2009
Texas-based Debt Settlement Company is Enjoined from Doing Business In West Virginia
19 May 2009
FTC to Host Debt Collection Litigation and Arbitration Roundtable
19 May 2009
Collection Agency President Pleads Not Guilty to Theft Charges
18 May 2009
Expanding Nurse Practitioners Primary Care Role Could Lower Medical Bad Debt Balances
15 May 2009
Bills Targeting ARM Industry Advance in North Carolina Senate
13 May 2009
West Virginia AG Sues Web of Companies Over Fraudulent Credit Counseling Scheme
12 May 2009
Bernanke at Fed Meeting: More Banking Oversight Needed
8 May 2009
NY Attorney General Cuomo Announces Nationwide Investigation into Debt Settlement Industry
8 May 2009
Collection Agency Head Indicted for Alleged Theft of $2.7 Million From City of Boston
6 May 2009
Jury Awards $500,000 to California Couple in FDCPA Case
5 May 2009
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