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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HUGE TCPA WIN!: Court Finds Aspect predictive Dialer Not an ATDS– Explains Away Footnote 7
16 June 2021
Consumer Relations Consortium Submits Comment to California DFPI Regarding Proposed New Rules
10 June 2021
Nevada Enacts New Law Regarding Medical Collections, Effective July 1, 2021
9 June 2021
Two Judges Question whether the 7th Circuit has Gone Too Far in Standing Decisions
3 June 2021
Consumer Relations Consortium Files Amicus Brief in Hunstein
2 June 2021
Throwing Shade?: Latest Court to Cite Hunstein Ends up Quietly Torching its Article III Standing Analysis
2 June 2021
Customer-Driven Collections Is the New ARMs Race - Creditors and Agencies Who Master it Will Win
27 May 2021
Hunstein: Defendant files Petition for Rehearing En Banc
26 May 2021
HUNSTEIN UPDATE: Court in Illinois Cites Hunstein with Approval While Distinguishing It
25 May 2021
Southern District of California Says Unanswered Calls are Not a Communication
19 May 2021
CA DFPI Hires Fintech Legal Expert to Lead New Financial Technology and Innovation Office
18 May 2021
House Passes Debt Collection Improvement Act
17 May 2021
Letter Vendor Coalition Develops FAQ's for Hunstein Questions
17 May 2021
The Comprehensive Debt Collection Improvement Act: An Explainer
13 May 2021
Executive Q&A: Oliver CEO Shares How Top Creditors are Shifting the Collections Paradigm to Win in a Dynamic Compliance Environment
11 May 2021
5 Ways to Improve Your Consumer Communication Preference Strategy
5 May 2021
Here's What's Wrong With Hunstein: Here’s the Simple and Obvious Spokeo Error That Led to the SCARIEST FDCPA Case Ever
4 May 2021
Banding Together to File an Amicus Brief in the Wake of The 11th Circuit Court of Appeals Decision
3 May 2021
CA DFPI Announces Members of New Debt Collection Advisory Committee
30 April 2021
CFPB Issues Interim Rule Applicable to FDCPA Debt Collectors Seeking to Evict Tenants For Non-Payment of Rent
29 April 2021