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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FDCPA Lawsuits Continue Steady Decline as TCPA Suits Rise
27 September 2013
Debt Collectors Look to Help Each Other Achieve PCI-DSS Compliance
27 September 2013
Collectors Need Answers To a Litany of Phone Questions
26 September 2013
RevSpring's Analiese Fusner Successfully Completes Certified Compliance & Ethics Professional (CCEP) Examination
26 September 2013
FTC Settles with Debt Collector for $1 million in its First Text Messaging Case
25 September 2013
Federal Regulators Issue Guidance on Reporting Financial Abuse of Older Adults Under Gramm-Leach-Bliley
25 September 2013
Preview Dialing Allowed Under New Federal Decision?
25 September 2013
Judge Dismisses Case that Named 12 ARM Firms and Questioned Entire Collection System
24 September 2013
LiveVox Joins Panel Discussing Some of the TCPA's Most Controversial Topics at TRMA Fall 2013
24 September 2013
Debt Collectors “Get the Message” on Consumer Communication
23 September 2013
Webinar: Understanding & Responding to TCPA Changes
23 September 2013
Chase Debt Collection Investigations May Not be Over
23 September 2013
FTC Crackdown on Debt Collection Complaints Creates Industry Hurdles
20 September 2013
Chase Consent Order Has Broad Impact on Debt Collection Industry
20 September 2013
BBB Advising Consumers on Legit Debt Collectors vs. Scammers
19 September 2013
Does a Call with Only Caller ID Info Constitute a Communication? Listen to the Answer
19 September 2013
CFPB Lays Out Guidelines for Protecting Servicemembers in the Payday Lending Market
18 September 2013
DOMA's Downfall has State-by-State Impact on Debt Collectors
17 September 2013
CFPB Addresses Collection of Time-Barred Accounts, But More Guidance Needed
17 September 2013
A Closer Look at Compliance with Industry Expert John Bedard
17 September 2013
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