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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Key Themes for the U.S. Debt Collection Market in 2014
18 February 2014
Ontario Systems Announces Partnership with Kaulkin Ginsberg for 2014 Webinar Series
18 February 2014
Court Rulings Force Debt Collectors to Revisit Validation Language
14 February 2014
Oregon Considering Bill to Block Use of Private Collectors for State Debt
13 February 2014
Story on Debt Collection "Rocket Dockets" Largely Misses the Point
13 February 2014
Overcoming "Moral Challenges" to Point-of-Service Collections
13 February 2014
House Pushes CFPB Reform, But to What End?
13 February 2014
State AG Seeks Ban on Gambling Debt Collection Method
12 February 2014
ACA International Briefs State Attorneys General Staff on TCPA Petition
11 February 2014
Judge Denies Preliminary Approval of TCPA Class Action Settlement on Consent Concerns
11 February 2014
Debt Collection State Licensing Resource Launched on insideARM.com
10 February 2014
Important Webinar Series for ARM Professionals: From Our Desk to Yours - Leadership Series for ARM Executives
10 February 2014
CFPB Director Cordray Falls Short on Jeopardy as House Considers Power-Restricting Bill
6 February 2014
TV News Reporter Confronts Scam Debt Collector
5 February 2014
The Six Million Dollar Man Vendor Strategy - Better, Stronger, Faster!
5 February 2014
UK Regulator Pulls License of Debt Buyer and Two Collection Agencies
5 February 2014
Federal Court Dismisses TCPA Case, Further Defines "Prior Express Consent"
4 February 2014
Kaulkin Ginsberg Announces the Launch of a 2014 Webinar Series
4 February 2014
Fourth Circuit Says FDCPA Allows Verbal Disputes in Letter Class Action
3 February 2014
Top Tips for Staying Compliant with UltimateCompliance
3 February 2014
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