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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What is the Definition of "Repeated or Continuous Contact" by a Debt Collector?
15 April 2013
Wisconsin Debt Collection Laws: Live like you mean it
15 April 2013
CFPB in Action: A Roundup of Recent Activity - April 12, 2013
12 April 2013
West Virginia Debt Collection Laws: Wild and Wonderful
12 April 2013
U.S. Senate Bill to Cap Interest Rates on All Consumer Loans; Targets Payday Lending
11 April 2013
Washington Debt Collection Laws: Experience Washington
11 April 2013
Appeals Court Sides with Debt Collector in Old FDCPA Case; Too Old, in Fact
10 April 2013
Virginia Debt Collection Laws: Live Passionately
10 April 2013
Debt Collection Complaints Already Showing Up in CFPB Data
9 April 2013
Business Smarts: How to Avoid Destroying Your Business
9 April 2013
U.S. Virgin Islands Debt Collection Laws: United in Pride and Hope
9 April 2013
Vermont Debt Collection Laws: Vermont, Naturally
8 April 2013
Consumer Warnings Go Out on Collection Scam and Debtor's Prisons
8 April 2013
Utah Debt Collection Law: This Is Still The Right Place
5 April 2013
Texas Debt Collection Laws: A Debtors’ Haven?
4 April 2013
New CFPB Guidelines: Don’t Lose Sight of the Basics
4 April 2013
Attorney Asks, "Why Do Collectors Continue to Violate the Law?"
3 April 2013
American Banker Story Says it Will Lay Out How CFPB Exams Will Change the Debt Collection Industry
3 April 2013
Couch Conville & Blitt Law Firm Expands into Texas
2 April 2013
Manually Dialed Calls to Mobile Phone Held to Violate TCPA
2 April 2013
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