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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CFPB Takes $37.5 Million Action Against Flagstar Bank Over Mortgage Servicing
30 September 2014
Circuit Court Sides with Debt Collector in Reversing Controversial TCPA Ruling
30 September 2014
Nationwide Credit Bureaus Launch New Training System to Support Data Furnisher Accuracy
29 September 2014
Class Action Explores Door Hangers as Collection Communications Under FDCPA
26 September 2014
'Four-Second Review' FDCPA Decision Cited in Separate Class Action Filing
25 September 2014
FTC Finishes Off Scam Debt Collection Agency with "Bags of Money" Ties
24 September 2014
CFPB and FTC Set Agenda for "Debt Collection & the Latino Community" Roundtable
24 September 2014
Envelope Window FDCPA Case Denied Rehearing by Circuit Court
23 September 2014
TCPA: Is the Scope of Consent Unlimited?
23 September 2014
ACA Submits Comments Opposing CFPB Proposal to Include Consumer Complaint Narratives in Public Database
23 September 2014
Caller ID Law Update Expands Anti-Spoofing Protections to Text Messaging
22 September 2014
SSAE-16: What Once Set You Apart Will Soon Be a Requirement
22 September 2014
Another Court Refuses to Defer to FCC's Express Consent Ruling in TCPA Case
19 September 2014
DBA International to Host Webinar on Due Diligence Process for Debt Buyers
19 September 2014
CFPB and FTC Launch Actions Against Different Payday Lenders; Debt Sales Implicated
18 September 2014
CFPB Proposes Guidelines for Non-Bank Auto Finance Regulation and Supervision
18 September 2014
CFPB Sues For-Profit College for FDCPA Violations and Predatory Loan Program
17 September 2014
New Rules for Debt Collection Suits Finalized in New York Courts
17 September 2014
Circuit Court: Collection Letter from Law Firm Demanding Payment Violates FDCPA
16 September 2014
ARM Law Firm Files Motion to Dismiss CFPB's FDCPA Enforcement Action
15 September 2014
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