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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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Graduation: ARM-U 2015 Highlights Need for Regulatory Clarity

5 June 2015

TCPA Rulings Expected to Have Substantial Impact on Financial Services Industry

4 June 2015

10 Questions to Ask Your Vendor Prior to Selecting a Collection Software Solution: Part 2

3 June 2015

Compliance Management Systems and the CFPB: Common Questions Answered

2 June 2015

U.S. Supreme Court Holds Chapter 7 Debtor Cannot ‘Strip Off’ Wholly Unsecured Junior Mortgage

2 June 2015

New York Government-Business Debt Collection Dialogue Sold Out

2 June 2015

Five Lessons the ARM Industry Can Take From the Mortgage Meltdown

1 June 2015

Bank of America Fined $30 Million by OCC, Related to SCRA and Debt Collection Litigation

1 June 2015

2 Days, 6 Webinars: ARM-U is a Free Online Event for Compliance and Operations Professionals

29 May 2015

After Four Years Benjamin M. Lawsky Departs NYDFS as Superintendent

29 May 2015

BillingTree, David Kaminski, to Present on EFTA, Reg E and ESIGN at ARM-U 2015

29 May 2015

FCC Issues Fact Sheet Rather Than Clarity on TCPA Proposals

28 May 2015

CFPB Quietly Extends Debt Collection Rulemaking on the Eve of Holiday Weekend

27 May 2015

New York Court of Appeals Revives Class Action Lawsuit Against Encore Capital

26 May 2015

International Debt Collection Stories Emerge for Memorial Day

26 May 2015

FTC Joins NY and GA in Action Against 3 Collection Agencies

22 May 2015

U.S. Supreme Court to Take Up Whether Complete Relief to Class Litigant Moots Class Claims

21 May 2015

Proposed Legislation in Numerous States Would Negatively Impact the Collection Industry

21 May 2015

FDCPA/FCRA Litigation Trending Upward, TCPA & CFPB Complaints Down Slightly

19 May 2015

The Inconvenient Reality of Convenience Fees

18 May 2015

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