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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insideARM Weekly Recap – Week of October 21st, 2024
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insideARM Weekly Recap – Week of June 17th, 2024
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Indiana Appeals Court Rules That a Passive Debt Buyer Is a Debt Collector under the FDCPA and State Law
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insideARM Weekly Recap – Week of June 3rd, 2024
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3 June 2024
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Controversial Minnesota Debt Fairness Act Signed into Law
23 May 2024
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30 April 2024
insideARM Weekly Recap- Week of April 22nd, 2024
29 April 2024
NCLC's Influence on State Law Policy: 3 Things You Should Know
25 April 2024
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CFPB Order Makes it Clear: Nonbanks Should Prepare for CFPB Supervision
2 April 2024
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22 January 2024
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SCOTUS Slated to Make Lasting Impact on Consumer Financial Services Industry in 2024
10 January 2024
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Early Notice of Judgment Renewal Not Allowed, Says 9th Cir.
3 January 2024
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14 December 2023
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CRC to NYC DCWP: Proposed Rule Misses the Mark, is Unclear, and Will Harm Consumers
5 December 2023
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