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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Washington District Court Adopts Seventh Circuit Analysis Regarding Collection of Time-Barred Debts

18 October 2017


Another 1099(c) Disclosure Case Moves Forward in New Jersey

17 October 2017


Pennsylvania Enters into a New Era of Consumer Protection Enforcement: What Financial Services Companies Must Do Now

12 October 2017


Debt Collector Prevails in FDCPA Case About Outdated BBB Rating

11 October 2017


Compliance Challenges Discussed by Industry Experts in Podcast

10 October 2017


Experts React to FDCPA Court Decision on Emailed Validation Notice

9 October 2017


Court: Validation Notice Sent Via Email Requiring Consumer to Click a Link to Open a “Secure Package” Is Not “Sending” a Validation Notice Under FDCPA

5 October 2017


Judge Rules Unintentional Violation of Policies and Procedures Permits Debt Collector to invoke 'Bona Fide Error' Defense

4 October 2017


New York Court Rules Settlement Offer in First Letter Not a FDCPA Violation

3 October 2017


In Connecticut, 29 Call Attempts in 24 days May Be FDCPA Violation

2 October 2017


FDCPA Case Challenges Use of Trade Name Abbreviation

28 September 2017


Voicemail Emerges Again With Questions of "Communication" and Meaningful Disclosure

27 September 2017


Expert Says Practice of Law Exemption is Essential to Fix FDCPA

26 September 2017


5th Cir. Holds Threat of Lawsuit to Collect Partially Time-Barred Debt Did Not Violate FDCPA

21 September 2017


This First-Party Thing is Heating Up

20 September 2017


Court Rules “Reply-by” Date Falling Outside 30-day Validation Notice Not a FDCPA Violation

20 September 2017


CFPB Report Highlights Debt Collection Issues; Collectors AND Creditors Should Take Note

13 September 2017


9th Circuit Opinion Highlights Right to Cure Provision in California’s Rosenthal FDCPA

12 September 2017


The Gathering Avalanche: “Robocall” Blocking, and What Can be Done

11 September 2017


3rd Circuit: 2nd Collection Letter Within 30 Days of First Letter is "Overshadowing"

7 September 2017