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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The High Cost of Regulatory Compliance
17 March 2014
ACA International’s Political Action Committee Hosts Fundraiser for GA Congressman
17 March 2014
FTC Gets Court to Shut Down Debt Collection Agency, Freeze Assets
14 March 2014
CFPB Calls For Greater Information Integrity in Debt Collection System
14 March 2014
Understanding Compliance Obligations of Calling Cell Phones in Legal Collections
13 March 2014
DBA International Adopts Changes to its Debt Buyer Certification Program
13 March 2014
At a Glance: Responses to the CFPB Debt Collection Rulemaking Proposal
13 March 2014
UK's New Financial Regulator to Begin with Focus on Payday Loan Debt Collection
12 March 2014
ACA International Files Comments Supporting United Healthcare TCPA Petition
12 March 2014
FTC Becoming Increasingly Reliant on Phone App for Collection Complaints
11 March 2014
How Greater Visibility of Suppliers Can Aid Both Compliance and Performance
10 March 2014
CFPB to Mail Debt Collection Surveys to Consumers
10 March 2014
Joint CFPB-FTC Brief: Collecting on Time-Barred Debt Can Violate FDCPA
7 March 2014
Student Loans: The Next Big Thing for the Collection Industry?
7 March 2014
Top 4 Compliance Areas Debt Collectors Must Master Before a CFPB Audit
6 March 2014
Is There an Appropriate Price Tag for New Collectors?
6 March 2014
FTC Letter Reveals Increased FDCPA and Debt Collection Enforcement
6 March 2014
State AG Sues Collection Agency for Failure to Remit Debt Payments
6 March 2014
Federal Judge Dismisses FDCPA Collection Letter Case with "Least Sophisticated Consumer" Discussion
5 March 2014
The Growing Voice of the Customer: The CFPB Complaints Database
5 March 2014
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