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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Two Huge Debt Buyers to Vacate $16 million in Judgments in NY AG Action
8 May 2014
ACA Urges CFPB to Scrap Proposed Consumer Debt Collection Survey
7 May 2014
Husband of Alleged Reality Show Star Tried, Failed at Fake Collection Agency/Life
7 May 2014
Is the CFPB Position on Credit Reporting Consistent with Case Law?
6 May 2014
ACA International Submits Additional Comments to FCC About TCPA Impact on Government Collections
6 May 2014
FBI Arrests Debt Buyer on $6.8 Million Bank Fraud Charges
5 May 2014
New NY Court Rules: Judicial Advocacy Gone Wild
2 May 2014
New York to Change Rules for Debt Collection Lawsuits
1 May 2014
NY AG Shuts Down Buffalo Area Debt Collection Agency
1 May 2014
Enrollment Starts now for ARM-U Class of 2014
1 May 2014
"Frequent Filer" FDCPA Cases Defeated With Trifecta of Victories
30 April 2014
Consolidation Probably Not in the Cards for ARM Law Firms
30 April 2014
CFPB Seeks Public Comment on Proposed Rules Overhauling Regulation E
29 April 2014
Recent Enforcement Actions May Provide Guidance on CFPB Positions
29 April 2014
States Begin to Use UDAAP Provision in Enforcement Actions
28 April 2014
Equifax Receives Civil Investigative Demand from the CFPB for Credit Reporting Issues
25 April 2014
State Court of Appeals: Out-of-State Debt Collectors Do Not Need a License
24 April 2014
Senate Bill Targets Credit Furnisher Responsibilities Under FCRA
23 April 2014
Embracing Regulatory Change - and Reaping the Performance Benefits
23 April 2014
CFPB Moves to Free Student Loan Borrowers from Defaults Caused by Co-Signers
22 April 2014
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