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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Could Spokeo Mean Rough Road Ahead for FCRA, TCPA, FDCPA Plaintiffs?
4 November 2015
CFPB Issues Ninth Supervisory Highlights Report
4 November 2015
California Reaches $100M Settlement with JP Morgan Chase Regarding Debt Collection Practices
3 November 2015
Settlement Offer Found Not To Be FDCPA Violation in Florida
2 November 2015
DBA International Spells Out Certification Program Requirements
30 October 2015
CFPB Fines Auto Loan Company $3.28 Million For Illegal Debt Collection Tactics
29 October 2015
Massachusetts Proposes New Debt Collection Legislation; Creditors Should Take Note
29 October 2015
Budget Deal Includes Autodialer Provision for Federal Debt Collectors
28 October 2015
LiveVox Joins Cross-Industry TCPA Discussion at the Neustar Operations Summit 2015
28 October 2015
Sixth Circuit Decides Voicemail Message is not a “Communication”
28 October 2015
"Is This a Dialer?" -- Five Industry Attorneys Weigh In
23 October 2015
CFPB Director Richard Cordray Addresses Consumer Advisory Board
23 October 2015
Looking Ahead – Preparing Economics Students for the Real World
22 October 2015
DBA International to Host California Regional Symposium on November 12, 2015
21 October 2015
Are Your Reoccurring EFTA Payments Pre-Authorized?
20 October 2015
Questions -- and Answers -- in Free TCPA Download from Neustar
19 October 2015
Portfolio Recovery Associates Motion Denied in FDCPA Class Action Case
19 October 2015
The Consumer Relations Consortium Announces New Member: Cavalry Portfolio Services
15 October 2015
Three Reasons Your Agency Needs to Be Focused on Disparate Impact
14 October 2015
Check by Phone Payments Still Cause Legal Headaches for Debt Collectors
13 October 2015
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