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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Court Denies Request for Re-Hearing in Taylor Interest Disclosure Case

15 May 2018

Debt Collection Rulemaking Now Pushed to 2019

14 May 2018

Mistaken Identity and the FDCPA and FCRA

9 May 2018

8th Cir. Applies ‘Materiality’ Requirement to FDCPA Action, Joining Other Circuits

7 May 2018

Can Risk Be Outsourced? Understanding Your Downstream Partners' Liabilities

3 May 2018

E.D.N.Y.: Avila Safe Harbor Language Trumps Carlin/Balke Requirements Where Amount Due Clearly Stated

1 May 2018

FDCPA Caselaw Review for March 2018

26 April 2018

May Renewals Calendar: Licensing, Reports

25 April 2018

It's Compliance Weekly! A Look at insideARM's Newest Newsletter

24 April 2018

Tom Pahl Returns to CFPB, Will Oversee Debt Collection Rulemaking at Critical Juncture

19 April 2018

The Calm After the (Massachusetts Debt Buyer) Storm

17 April 2018

E.D.N.Y.: FDCPA Does Not Extend to Communications with Credit Counselors

11 April 2018

We Need to Re-Examine the Meaning of Third Party Disclosure

5 April 2018

FDCPA Caselaw Review for February 2018

2 April 2018

BREAKING: 2nd Circuit Upholds Taylor, Big Industry Win on Interest Disclosure Issue

29 March 2018

7th Circuit Holds Verification Requirement is of Debt Collector’s Records, not Creditor’s

27 March 2018

CFPB Deferment of Enforcement Authority to States Will Lead to Increased Scrutiny

27 March 2018

N.D. Illinois: Debt Itemization Does Not Imply Interest May Accrue

14 March 2018

4 Considerations and 13 Steps to Support Compliant Consumer Email Communication

14 March 2018

EDNY: Avila and NYDFS Requirements Collide

12 March 2018