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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Culture Check: Does Your Company Have a Culture of Compliance?
29 June 2015
More Detail About CFPB’s Release of Public Debt Collection Complaint Narratives
26 June 2015
The CFPB's Latest Supervision Report Highlights Compliance Deficits in the Collection Industry
24 June 2015
6/18/2015: FCC's Post-TCPA Decision Press Release
19 June 2015
CFPB Takes Action Against Medical Debt Collector, Largely For Lack of Policies and Procedures
19 June 2015
"The Ayes Have It" -- FCC Passes Declaratory Ruling on Portions of the TCPA
18 June 2015
CFPB Issues its Seventh Semi-Annual Report to Congress
18 June 2015
Reminder: Watch the FCC Commission Meeting Covering TCPA TODAY
17 June 2015
New York AG's Office Compels Collectors to Help Root Out Bad Players in the Industry
16 June 2015
12 New FAQs from the NYDFS Offer Some Clarification for Debt Collectors and Debt Buyers
16 June 2015
Now in the CFPB's Sights: Collectors Hired by State & Local Government Agencies
15 June 2015
Risks, Rather than Rewards, Still the Rule for Text Communications with Consumers
15 June 2015
EBay and PayPal Push the Boundaries of Prior Express Consent
12 June 2015
Is It Illegal to Charge Credit Card Convenience Fees?
11 June 2015
CFPB Finalizes Rule to Supervise Nonbank Auto Finance Companies
11 June 2015
Medical Debt Collector and its Owner Sued by Pennsylvania Attorney General
10 June 2015
What is SBREFA and Why Should You Get Ready for it Now?
10 June 2015
The (Surprising) Positives of Sarbanes-Oxley
9 June 2015
Oral Arguments in CFPB v. Hanna Suggest Long Road Ahead
9 June 2015
No FDCPA Violations in Simon After Remand
8 June 2015
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