Collection Laws and Regulations News RSS Feed

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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An letter from a debt collector that says "Past Due" in red on the outside [Image by creator Robert Mizerek from AdobeStock]

Motions for Summary Judgment Denied in Case of Collection Letter That Failed to State Interest Would Accrue

6 June 2017
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LiveVox Discusses the Latest Regulatory and Legal Developments at First Party Summit 2017

6 June 2017

Are Significant Changes To Class Actions On The Horizon? (Part One)

6 June 2017
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Collection Letter That Failed to State Interest or Fees No Longer Accruing Does Not Violate FDCPA

5 June 2017
Phone with "voice mail" text on it [Image by creator iQoncept from AdobeStock]

"Ringless Voicemail" Petition at FCC: Another Factor to Consider in TCPA Compliance

5 June 2017
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Bock v. Pressler Returns; Court Rules Again for Plaintiff

1 June 2017

No Documented Procedures, No Bona Fide Error Defense

18 May 2017
Photo of courthouse building with "judicial" written on it [Image by creator Natalia Bratslavsky from AdobeStock]

U.S. Supreme Court Rejects FDCPA Liability in Bankruptcy Proceeding

17 May 2017

CFPB Makes Somewhat Unsurprising Finding in the Ridiculously Complicated World of Student Loan Repayment

17 May 2017

BREAKING NEWS: Supreme Court Rules in Favor of Debt Collector

15 May 2017
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Another "Tax Consequence" Case, Another Decision - This One Positive for Collectors

15 May 2017
A picture of a cell phone on top of paper dollar bills in various denominations, on a light blue wooden table. [Image by creator sveta from AdobeStock]

Electronic Payments Step Four – Don’t Forget the FDCPA, the Consumer’s Rights, or the Proper Notices

11 May 2017
A man in a suit standing on a ladder with binoculars looking over the top of a city under a sunny sky with wispy clouds [Image by creator Kurhan from AdobeStock]

Searching For The Meaning Of “Meaningful Involvement” - Part 2

11 May 2017
A man in a suit standing on a ladder with binoculars looking over the top of a city under a sunny sky with wispy clouds [Image by creator Kurhan from AdobeStock]

Searching For The Meaning Of “Meaningful Involvement”

10 May 2017

U.S. Supreme Court Rejects “Meaningful Attorney Involvement” Case

9 May 2017
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Court Rules Sending Validation Through CFPB Portal Does Not Satisfy FDCPA

4 May 2017
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Major Banks Make Recommendations to Treasury That Could Impact Debt Collectors

4 May 2017

FinTech Debt Collection Start-up Says it Uses Modern Communication Methods

2 May 2017
[Image by creator Federico Rostagno from AdobeStock]

Electronic Payments Step Three - How to Create and Sign an Electronic Payment Authorization

2 May 2017
A picture of a cell phone on top of paper dollar bills in various denominations, on a light blue wooden table. [Image by creator sveta from AdobeStock]

Electronic Payments Step Two – Understand Your Authorization Requirements

26 April 2017

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