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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10 Questions to Ask Your Vendor Prior to Selecting a Collection Software Solution: Part 2
3 June 2015
Compliance Management Systems and the CFPB: Common Questions Answered
2 June 2015
U.S. Supreme Court Holds Chapter 7 Debtor Cannot ‘Strip Off’ Wholly Unsecured Junior Mortgage
2 June 2015
New York Government-Business Debt Collection Dialogue Sold Out
2 June 2015
Five Lessons the ARM Industry Can Take From the Mortgage Meltdown
1 June 2015
Bank of America Fined $30 Million by OCC, Related to SCRA and Debt Collection Litigation
1 June 2015
2 Days, 6 Webinars: ARM-U is a Free Online Event for Compliance and Operations Professionals
29 May 2015
After Four Years Benjamin M. Lawsky Departs NYDFS as Superintendent
29 May 2015
BillingTree, David Kaminski, to Present on EFTA, Reg E and ESIGN at ARM-U 2015
29 May 2015
FCC Issues Fact Sheet Rather Than Clarity on TCPA Proposals
28 May 2015
CFPB Quietly Extends Debt Collection Rulemaking on the Eve of Holiday Weekend
27 May 2015
New York Court of Appeals Revives Class Action Lawsuit Against Encore Capital
26 May 2015
International Debt Collection Stories Emerge for Memorial Day
26 May 2015
FTC Joins NY and GA in Action Against 3 Collection Agencies
22 May 2015
U.S. Supreme Court to Take Up Whether Complete Relief to Class Litigant Moots Class Claims
21 May 2015
Proposed Legislation in Numerous States Would Negatively Impact the Collection Industry
21 May 2015
FDCPA/FCRA Litigation Trending Upward, TCPA & CFPB Complaints Down Slightly
19 May 2015
The Inconvenient Reality of Convenience Fees
18 May 2015
Second Circuit Decision Provides Resolution on Disclosure of Tax Consequences in Settlement Offers
15 May 2015
CFPB To Convene Field Hearing Tomorrow in Milwaukee About Student Loans
13 May 2015
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