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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Happy National Consumer Protection Week!
4 March 2014
FTC Sues Collection Agencies Over Misleading Names, Other Abuses
3 March 2014
Consumer Relations Consortium Submits Comments on the CFPB's ANPR for Debt Collection After Meeting with Consumer Groups
3 March 2014
FTC Starts Sending Out Checks in Debt Collection Case
28 February 2014
House Passes Bill Limiting CFPB Powers as it Prepares to Write Debt Collection Rules
28 February 2014
Appellate Court Has Harsh Words for Activist Judge in Debt Collection Case
27 February 2014
CFPB Director Discusses Debt Collection Regulation in Speech to State AGs
27 February 2014
Anticipating a New Regulatory Regime For Debt Collection - Part 2
27 February 2014
Mortgage Lender Self-Reports Violation to CFPB; Small Penalty Follows
26 February 2014
FCC Seeks Comments on ACA International's Request for TCPA Clarity
26 February 2014
On the Rise: Debt Collection Complaints, TCPA and FCRA Lawsuits
26 February 2014
Collecting on Behalf of Unlicensed Debt Buyer Does Not Violate FDCPA: Appeals Court
25 February 2014
The Changing Landscape of Supplier Audits
25 February 2014
Anticipating a New Regulatory Regime For Debt Collection
24 February 2014
Portfolio Recovery Associates to Buy European Debt Buyer Aktiv Kapital for $1.3 billion
20 February 2014
FCRA Poll Results: Who Got it Wrong, and Why
20 February 2014
Debt Collection Attorney and Firm Censured Over Six Cases
19 February 2014
UPDATED Capital One's Terms/Conditions: Collectors Aren't Necessarily Set to Visit Your Home
19 February 2014
Senate Bill Protecting Consumer Data Ripples Out to Debt Collection
18 February 2014
A Conversation with the CFPB
18 February 2014
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