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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Embracing Regulatory Change - and Reaping the Performance Benefits
23 April 2014
CFPB Moves to Free Student Loan Borrowers from Defaults Caused by Co-Signers
22 April 2014
A Transformational Approach to Collection Communication
21 April 2014
Collector Settles Class Action for $50,000; Plaintiffs' Attorneys Take $40,000
21 April 2014
Executive Change: Cohen & Slamowitz Names Managing Compliance Attorney
21 April 2014
Weekend Reading: Elizabeth Warren Has a Memoir
18 April 2014
Bad Faith FDCPA Case Leads to Win for Defendant
18 April 2014
DBA International’s Introductory Survey Course on Debt Buying Available 24/7 Online
18 April 2014
Pa. Judge: Consumers Must Know Their Right to Challenge a Debt
17 April 2014
Disclosures Likely Necessary When Recording Cell Phone Calls to Consumers in California
17 April 2014
Interactive Intelligence to Host "Pitfalls of TCPA" Industry Web Event
17 April 2014
CFPB's Email Notification for Debt Collection Complaints Portal Still Working Out Kinks
16 April 2014
Social Security Halts Collection of Debts Older than 10 Years
15 April 2014
Phone Scammers May Presage Increase in Validation Notice Requests
14 April 2014
FDCPA Class Action to Advance; Letter Language Positioning in Question
11 April 2014
How to Maximize Collections with TCPA Compliance: Best Practices for Agencies and Creditors
11 April 2014
Contact Center Compliance Wins Pace Technovation Award For Cloud Training
11 April 2014
Payday Lenders Gaining Share of Debt Collection Complaints
10 April 2014
Debt Buyers: The Search to Meet New Requirements in Debt Sales
10 April 2014
FTC Settles FCRA Charges Against Two Consumer Data Brokers
10 April 2014
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