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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Watch the FTC-CFPB Roundtable on Debt Collection & the Latino Community

23 October 2014

TCPA Reform in Our Lifetime?

22 October 2014

CFPB Finalizes New GLBA Notification Rule

22 October 2014

LiveVox Inside Counsel, Industry Attorney and Compliance Expert Discuss Recent TCPA/CFPB Trends at FSCOR 2014​

21 October 2014

FDCPA and TCPA Lawsuits Rise in September

21 October 2014

President Signs Executive Order on Identity Theft; Endorses Chip and PIN for Cards

20 October 2014

Circuit Court Rules Against Debt Collector in TCPA Decision Supported by FCC Brief

17 October 2014

Operator of Scam Collection Agency Pleads Guilty to Federal Charges

15 October 2014

Hear the Latest on "Vicarious Liability" and Other Creditor-Focused Compliance Trends From Legal and Ops Experts

15 October 2014

ACA International Issues Statement on the Regulation of Debt Collection Attorneys' Litigation Activities

14 October 2014

ARM Firms Should Not Be Deceived by TCPA Victories

14 October 2014

Judge Rules that One Message Does Not Trigger FDCPA Liability

13 October 2014

FTC and CFPB Announce Speakers for "Debt Collection & the Latino Community" Roundtable

10 October 2014

ACA Submits Comments Opposing CFPB's Request to Collect Data Under Streamlined Process

10 October 2014

AT&T Enters $45 million TCPA Settlement; External Collection Agencies Also Involved

8 October 2014

Fingerprint Requirement Now in Force for ARM Executives in Florida

7 October 2014

CFPB Gets Testy in Latest Filing in Debt Collection Law Firm Enforcement Action

6 October 2014

30% of Online Payday Loan Borrowers Threatened by Lender or Debt Collector

3 October 2014

ACPAC Supports Congressman Cory Gardner in Senate Race

3 October 2014

Collection Complaints Fall in August, But More Claim Debt is Not Theirs

2 October 2014