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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Court Foils Attempt at Creating an FDCPA Violation by Sending C&D Request to Parent Company

21 August 2019

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Marks Adopted for the First Time in the Sixth Circuit—State of Michigan Now Split on Requirements for TCPA Claim

21 August 2019

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9th Cir. Holds No FCRA Violation by CRA When Dispute Did Not Come ‘Directly’ From Consumer

20 August 2019

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SDNY Joins “Chorus of Courts” Finding That Individual Issues of Consent Preclude Class Certification in “Wrong Number” Case

20 August 2019

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The Good and the Bad: Bona Fide Error Defense a Hot Issue in Recent Court Decisions

19 August 2019

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Lavallee: Well, Now We Know How NOT to Send a Validation Notice via Email

15 August 2019

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Intriguing TCPA Adequacy Decision Illustrates Close-Knit Nature of TCPA Class Action Community

14 August 2019

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Florida District Court Affirms that Contractual TCPA Consent is Irrevocable Under Reyes

13 August 2019

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7th Circuit's Lavallee Decision: What Does it Mean for Text Messaging and the NPRM?

12 August 2019

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Fifth Circuit District Court: Predictive Dialers are Outside the Scope of the TCPA

8 August 2019

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FCC Adopts Rules to Ban Malicious Spoofing of Texts and International Calls

7 August 2019

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Shot Across the Bow: “Parroting” TCPA Allegations From “Case to Case” May Be Subject to Sanctions

6 August 2019

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Disclosure About Less Favorable Future Terms in Collection Letter Does Not Violate FDCPA, Says Missouri Court

5 August 2019

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7th Cir. Says ‘Costs’ Includes Collector’s Percentage Fee, Disagrees With 8th and 11th Circuits

5 August 2019

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CFPB Extends Comment Period for Debt Collection NPRM to Sept. 18, iA Provides Perspective on What Could Happen

1 August 2019

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Data Privacy Laws: Is Your Business Ready for What’s Coming?

31 July 2019

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Industry Requests FCC Deem Certain Servicing Calls “Critical” and Unblockable Under New Default Call Blocking Rules

29 July 2019

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CFPB Fines Buffalo-Based Debt Collection Group $60M, Bans Them From Industry

29 July 2019

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9th Cir. Asks Nevada: Is an FDCPA Claim a Compulsory Counterclaim in a Collection Suit?

25 July 2019

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After Denying Summary Judgment in TCPA Case, Court Grants Motion to Strike Class Allegations Due to Consent and Revocation Issues

24 July 2019