Collection Laws and Regulations News RSS Feed

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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An letter from a debt collector that says "Past Due" in red on the outside [Image by creator Robert Mizerek from AdobeStock]

Second Circuit Court of Appeals Rules Collection Letter Showing a “Static” Current Balance is Misleading

28 March 2016

FTC's Brill to Step Down

23 March 2016

Get Sued If You Do . . . Get Sued If You Don't: The Debt Collector's Conundrum

22 March 2016

Collectors, the FTC Wants You to Know: Do Not Buy, Sell, or Collect on These Debts

21 March 2016

Bank of America Debt Securitization Case is Actually Round Two

18 March 2016
Richard Cordray testifying before Congress [Image by creator from insideARM]

Payday Lending, Exemption for Community Banks, Arbitration and Ally Were the Hot Topics During CFPB Director Cordray's Testimony Before Congress

18 March 2016

Bank of America Hit With Class Action Over Debt Collection Litigation on Securitized Accounts

17 March 2016
Black keyboard with one large red key that says "Opinion" [Image by creator tashatuvango from AdobeStock]

FTC Expands List of Banned Debt Collectors; Is There Any Connection to Legitimate Firms?

16 March 2016

CFPB Announces Proposed Order to Shut Down Student Debt Relief Scam

16 March 2016

NYDFS and CFPB Sample Request for Substantiation Letters are Awfully Complex

15 March 2016

Canadian Creditors Dropping the Ball Where Ontario Residents Represented by Debt Settlement Firms

15 March 2016

FCC Releases Proposed Rules for Government Debt Collection Calls

14 March 2016

“Bad Apples” Practice Reputational Theft on Good Professionals

11 March 2016
[Image by creator James Steidl from AdobeStock]

Credit Reporting, Overdraft Issues and the Remittance Rule Dominate the CFPB's 2016 Winter Supervisory Highlights

11 March 2016

Court Rules Express Consent Passes from Creditor to Collector

11 March 2016

11th Cir. Upholds Dismissal of FDCPA, FCCPA Complaint for Failure to State Claims

10 March 2016
Black keyboard with one large red key that says "Opinion" [Image by creator tashatuvango from AdobeStock]

The Little Engine That CAN Make a Difference

10 March 2016

Compliance Professionals Forum Announces New Editorial Review Board Lineup for 2016

9 March 2016

CFPB Winter 2016 Supervisory Highlights Identifies a "Beneficial" Practice

9 March 2016

Settlement Reached in TCPA Case Against Chase Bank; Attorneys Win

8 March 2016

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