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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insideARM FDCPA Caselaw Roundup Through February 29, 2016

4 March 2016

Debt Collection Complaints to FTC Flooded by PrivacyStar Mobile App

2 March 2016

Senators Introduce Medical Debt Relief Act to Address Medical Debt on Credit Reports

1 March 2016

Wisconsin Governor Signs Debt Collection-Friendly Bill

1 March 2016

CFPB Sets Standards for the Debt Collection Industry Through Enforcement: A Look at Hanna

1 March 2016

Briefing In The Consolidated Appeal From The July 10, 2015 Declaratory Ruling and Order Is Complete

29 February 2016

CFPB to Focus on Debt Substantiation, Consumer Communication, Director Says

26 February 2016

Disclosures and Debt Collection: The Mini-Miranda and the FDCPA

25 February 2016

CFPB Fines Citibank and Two Law Firms over Debt Sales and Debt Collection Practices

24 February 2016

Supreme Court Vacancy Leaves Spokeo Outcome Even More Uncertain

23 February 2016

In Spite of FCC, 70 Percent of TCPA Decisions in Last 14 Months Positive for Industry

22 February 2016

Court Rules in Favor of Law Firm and Creditor in Four Year Old FDCPA and Bankruptcy Case

19 February 2016

FTC Touts Record of Outreach, Addressing "Troubling Issues" in Debt Collection

18 February 2016

Debt Collectors Flooded with Mass-Produced Requests for Validation

18 February 2016

7th Cir. Rejects FDCPA Allegations Involving Letters Sent to Debtor’s Counsel

17 February 2016

Sixth Circuit Court of Appeals Affirms “Prior Express Consent” Defeats TCPA Claim in Healthcare Collections Case

17 February 2016

Judge Denies Prevailing Party's Motion For Attorney Fees in Clear Cut FDCPA Case

16 February 2016

Rhode Island ‘Expired Debt Act’ More Than Name Implies

12 February 2016

Motion Granted for Debt Collector in FDCPA Bona Fide Error Case

10 February 2016

Judge Grants Mixed Ruling in Yet Another Example of FDCPA Ambiguity

9 February 2016