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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Consumer Relations Consortium Submits Comment to CFPB's NPRM for Debt Collection

19 September 2019

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Ninth Circuit Strikes Down Statute Regulating Automated Calls on the Basis of Content—Misses The Irony

16 September 2019


California Debt Collector Hit With $267 Million TCPA Judgment After Jury Verdict

12 September 2019


Another N.D. Ill. Case Applies Statutory Definition—But all Eyes Are On Gadelhak

11 September 2019


CFPB Launches Innovation Network with State AGs; Issues Three New Policies

10 September 2019

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Second Florida Court Applies Statutory ATDS Definition—But Dialer Wait Queue Messages Deemed Pre-Recoded Calls for TCPA Purposes

10 September 2019


Big TCPA ATDS Win Affirmed by Sixth Circuit—But Opinion Leaves Room For Debate as to Scope of Decision

9 September 2019


Ringless Voicemail Providers Begin to Fight Back Against TCPA Liability

5 September 2019


Court Awards Attorney Fees to Debt Collector, Finds Plaintiff Filed FDCPA Case in Bad Faith

4 September 2019


7th Cir. Holds No FDCPA Claim Where Consumer Failed to Prove Credit Card Transactions Were for ‘Consumer’ Purposes

4 September 2019


Plaintiff Acted in Bad Faith by Not Disclosing All FDCPA Claims to Bankruptcy Court, Says D.N.J.

3 September 2019


Court Holds Five9’s Popular Cloud-Based Manual Dialing Solution May Still Have “Capacity” to Dial Randomly or Sequentially-and Its Just as Bad as it Sounds

3 September 2019


Spokeo Has Teeth! 11th Circuit Holds Receipt Of A Single Text Message Does Not Confer TCPA Standing

29 August 2019


Debt Collection and Modern Communication Channels Discussed in CFPB Credit Card Market Report

28 August 2019

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TCPA Quick Hitter: Court in Arizona Unsurprisingly Follows Marks ATDS Formulation

27 August 2019

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FTC’s Former BCP Director Criticizes NPRM Hyperlinks Proposal as Exposing Consumers to Danger

26 August 2019

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State Attorneys General and Carriers Announce Collaboration to Stem Illegal Robocalls

26 August 2019

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Court Won’t Decertify TCPA Class Because Defendant Did Not Stay Case While Awaiting FCC Protection

22 August 2019


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

21 August 2019


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

21 August 2019