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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NARCA President Among New Members of CFPB Consumer Protection Advisory Board
29 August 2014
Circuit Court: Visible Account Number in Collection Letter is an FDCPA Violation
29 August 2014
Compliance Acronym Stew: Is Your Collection Agency at Risk? Part I: SSAE-16
28 August 2014
CFPB Readying Action Against College Over Debt Sales and Collection Methods
27 August 2014
State AGs Miss the Mark on Business Records in FDCPA Rulemaking Comments
26 August 2014
How Bad Plaintiff Behavior Turned a Winning FDCPA Case into a Massive Defeat
25 August 2014
Court Dismisses Process Server Industry Suit Against New York City as "Groundless"
25 August 2014
Consumer Relations Consortium Proudly Sponsors Consumer Action Awards Event
25 August 2014
Oversight of Third Parties: The Challenge Ahead
25 August 2014
After Slight Rise in July, FDCPA Lawsuits Still Down Overall for 2014; TCPA Claims Increase
22 August 2014
ALERT: Last Day to Comment on CFPB Debt Collection Survey Proposal
22 August 2014
FTC Joins CFPB in Filing Amicus Brief in Debt Collection Case
21 August 2014
CFPB Takes Action Against Auto Finance Company for Distorting Borrower Credit Reports
21 August 2014
Mazume Solutions Launches New Managed Services Offering for the Credit and Collection Industry
21 August 2014
New FDCPA Requirement for Debt Verification: Is There More to the Story?
20 August 2014
Circuit Court Upholds Award of Fees for Defendant in an Absolutely Crazy FDCPA Case
18 August 2014
ACA International Submits Comments on New York's Revised Proposed Debt Collection Rule
18 August 2014
Common Ground for Creditors, Collectors and Consumers
18 August 2014
NY AG Settles with ARM Firm Over Payday Loan Debt Collection Suits
15 August 2014
New York Times Takes Unflinching Look at the Secondary Debt Buying Market
15 August 2014
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