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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Motion Granted for Debt Collector in FDCPA Bona Fide Error Case

10 February 2016

Judge Grants Mixed Ruling in Yet Another Example of FDCPA Ambiguity

9 February 2016

CFPB Issues Compliance Bulletin on FCRA

8 February 2016

FCC to Issue Notice of Proposed Rulemaking for TCPA Amendment

8 February 2016

Failure to Inform a Consumer That a Partial Payment Revives an Out-of-Stat Debt Could Be an FDCPA Violation, Court Says

5 February 2016

Ninth Circuit Rules Prior Consent Fatal to TCPA Suit

4 February 2016

insideARM FDCPA Caselaw Roundup Through January 30, 2016

4 February 2016

Two Recent Cases Highlight Mandatory Arbitration Provisions

3 February 2016

Illinois Reverses Course, Realigns State Collections Law with FDCPA

2 February 2016

House Financial Services Committee Offers a Model on Assessing Disparate Impact via Report

1 February 2016

CFPB Issues Seventh Monthly Complaint Report; Highlights Include Complaints on Debt Settlement and Credit Repair Companies

1 February 2016

Judge Denies Class Action Certification in FDCPA Spanish Letter Case Against Portfolio Recovery Associates, LLC

29 January 2016

Empirical Evidence Suggests Dodd-Frank Has Led to 14.5 Percent Drop in Consumer Credit

28 January 2016

2nd Circuit Rules Bankruptcy Code Does Not Preclude FDCPA Suit in District Court

28 January 2016

LiveVox Receives 2016 CUSTOMER Magazine Product of the Year Award for its TCPA Risk Mitigation Dialing Systems, The Four Clouds

28 January 2016

Bankruptcy Code Precludes FDCPA Claim for Filing POC on Time-Barred Debt, Fla. District Court Holds

27 January 2016

Confusion After Clarity: The CFPB's November Bulletin on Consumer Authorizations for Preauthorized Electronic Fund Transfers

22 January 2016

Supreme Court Sides with Consumer on TCPA Case Campbell-Ewald v Gomez in 6-3 Decision

21 January 2016

Time Warner Offers "Nomorobo" -- a System That Blocks Robo- and Telemarketing Calls

19 January 2016

FCC Responds In Consolidated Appeal From Its July 2015 Omnibus Ruling

19 January 2016