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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Dealing with a Regulatory Complaint
23 January 2007
Joint FBI-Mountie Investigation Busts Credit Card Telemarketing Scam
23 January 2007
House Votes to Halve Student Loan Interest Rates
18 January 2007
UK Regulator Liquidates Two Commercial Collectors
18 January 2007
Supreme Court May Allow Creditors to Recoup Fees in Bankruptcy Cases
17 January 2007
State Collection Agency Regulator Issues Opinion on Payment Fees
16 January 2007
Supreme Court to Hear Consumer Credit Case
16 January 2007
State Supreme Court Rules for Collectors in Medical Privacy Case
12 January 2007
Predictions for 2007; What’s Next for ARM?
10 January 2007
Extension Sought on Wal-Mart Bank Freeze
9 January 2007
FTC Pursues Complaint Against Debt Consolidator
9 January 2007
Illinois Attorney General Goes After Collection Agency
5 January 2007
Rep. Frank Promises Hearings On Credit Reporting
3 January 2007
Telemarketers Sentenced to Federal Prison in Credit Card Scheme
22 December 2006
FTC Extends Policy on Abandoned Calls Until New Rulemaking Completed
20 December 2006
Large ARM Investor May be Hit with Fine
19 December 2006
FTC Approves Notice on Enforcement of Call Abandonment
19 December 2006
FTC Cracks Down on Work-From-Home Scams
18 December 2006
FTC Takes ISP to Task Over Telemarketing
18 December 2006
GAO Report Calls for Greater Transparency at Credit Unions
18 December 2006
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