The Telephone Consumer Protection Act of 1991 (TCPA) is the primary law in the U.S. governing the conduct of telemarketers. Its primary regulator is the Federal Communications Commission (FCC). The TCPA restricts the use of dialers, prerecorded voice messages, SMS text messages received by cell phones, and the use of fax machines. Even though the law was not designed with ARM in mind, debt collectors often find themselves restricted in the communication technology they can use. In addition, contradictory guidance from regulators and court rulings has led to an explosion in the number of TCPA cases collection agencies must defend.

insideARM maintains an abundance of information about TCPA developments related to the ARM industry. View our case law grid here, and our TCPA Toolbox here.

See all Topics
AdobeStock--boonchok--grow-expand-vision-strategy-international-new-office.jpeg

FCC Takes Stand Against Spoofed Calls and Text Messages with Proposed Rules Targeting Calls Originating Overseas

21 February 2019

AdobeStock--ultramansk--mobile-tcpa-phone.jpeg

5 Highlights from the FCC's Report on Illegal Robocalls

20 February 2019

AdobeStock--Frank Fennema--caution-careful-cautious

Platform Provider Paradox: Text Platform Provider Twilio May Be Directly Liable for TCPA Violations by Its Clients

19 February 2019

AdobeStock--vinnstock--Policies-Procedures

Corporate Officer Escapes TCPA Liability for Failing to Implement TCPA Compliance Policies

14 February 2019

AdobeStock--leungchopan--tcpa-mobile-cell-phone-consumer-answer

Navient’s $2.5M TCPA Settlement Finalized

11 February 2019

AdobeStock--yuryimaging--leader-super-hero-child-courage-fight-victory-win

Court Allows Fraud Claim Against Repeat TCPA Player to Proceed For Failing to Opt-Out of Messages

11 February 2019

AdobeStock--md3d--petition-protest

Definition of ATDS Now at U.S. Supreme Court’s Doorstep, Crunch Files Petition for Writ of Certiorari

31 January 2019

AdobeStock--Pakhnyushchyy--settlement-decision-penalty-judge-court

The True Cost of Litigation: The ARM Industry's Dilemma and One Company's Response

30 January 2019

Top 9 Collection Industry Predictions for 2019

9 January 2019

Compliance Checklist for Collection Professionals – A Look Back at 2018’s Most Critical Issues

7 January 2019

AdobeStock--maxsattana--class-action-school-swim-fish

Court Denies Certification in TCPA Wrong Number Class Action And Shows Just Why Wrong Number Class Actions Should Never be Certified

3 January 2019

AdobeStock--Pitamaha--sorry-we're-closed-shut.jpeg

FCC, FTC Closed During Government Shutdown, Further Delaying Much Needed TCPA Clarity

3 January 2019

AdobeStock--AKS--top-10-ten.jpeg

The Top 10 Things You Need to Know About the FCC’s Big New Reassigned Number Database Right Now

17 December 2018

AdobeStock--leungchopan--tcpa-mobile-cell-phone-consumer-answer

FCC Takes Big Robocall Action During Winter Open Meeting

13 December 2018

AdobeStock--goir--multiple-cell-mobile-phones-tcpa

Here’s Our Best Guess at How the FCC’s New Recycled Number Database Will Work and What It Will Mean for the Future of the TCPA

12 December 2018

AdobeStock--bluedesign--cross-line-stand-off-danger-risk-validate-who-are-you

Court Reconsiders Decision, Finds No Ambiguity in ATDS Definition, Grants Summary Judgment to Defendant

11 December 2018

AdobeStock--djoronimo--frustrated-annoyed-pissed-confused-angry

How Recent Legislative, Judicial and Regulatory Developments Have Made Understanding TCPA Compliance More Important (and Complex) than Ever Before

5 December 2018

AdobeStock--maxsattana--class-action-school-swim-fish

TCPA Class Action Survives Defendant’s Attempt to Pick off the Named Class Member By Deposit

26 November 2018

AdobeStock--bbourdages--supreme-court.jpeg

How the U.S. Supreme Court Just Might Change Your Dialing World

21 November 2018

AdobeStock--Andy Dean--private-privacy

TCPA Data Transfer to Defense Expert Lands DirectTV in Unshakable Privacy Class Action

21 November 2018