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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FTC Director Discusses Federal Regulatory Limitations of FDCPA
20 March 2013
Dept. of Education Slashes Commissions for Private Debt Collection Contractors
19 March 2013
How About a Partnership with Fellow CFPB Supervisees from Other Industries?
19 March 2013
New Mexico Debt Collection Laws: Land of Enchantment
19 March 2013
CFPB Leader Calls Debt Collector Examinations Preventive Rather than Reactive
18 March 2013
New York State Debt Collection Laws: I Love New York
18 March 2013
CFPB Proposes Rule to Supervise Nonbank Student Loan Servicers
18 March 2013
States Focus on Debt Collection Education this Week
15 March 2013
New Hampshire Debt Collection Laws: You're Going to Love it Here
15 March 2013
Debt Collector Loses FDCPA Appeal on Letter Language
14 March 2013
Nevada Debt Collection Laws: Wide Open
14 March 2013
CFPB in Action: A Roundup of Activity Related to the CFPB -- March 13, 2013
13 March 2013
SCRA Compliance is Not Optional for Debt Collectors
13 March 2013
Nebraska Debt Collection Laws: Possibilities...Endless
13 March 2013
CFPB Director Cordray Pleading His Case in Senate Today
12 March 2013
Montana Debt Collection Laws: The Last Best Place
12 March 2013
ACA: Debt Collectors Continue to be National Leaders in Resolving Consumer Complaints
12 March 2013
Missouri Debt Collection Laws: The Show Me State
11 March 2013
Less than 50% of Debt Collection Complaints Easily Verified
11 March 2013
Big Banks Facing Investigation Over Debt Collection Account Information: Reuters
8 March 2013
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