Collection Laws and Regulations News

Collections & Recovery

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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Common Bonding Issues for Collection Agencies

12 October 2020

Yes, Debt Collectors Can Still Call Numbers Supplied to Creditors as Part of Underlying Transaction

8 October 2020

Washington, DC Extends its COVID-19 Collection Ban

8 October 2020

FCC To Review TCPA Regulatory Exemptions Per TRACED Act

7 October 2020

Are Your Debt Collection Communications Getting Through and Timed Right?

6 October 2020

Whoa! Court Holds TCPA Unconstitutional as Applied to Calls Made Before July 6, 2020

5 October 2020

Interest Disclosure Cases Haven't Stopped, but Plaintiffs Keep Losing

1 October 2020

In the Nick of Time: NYC DCA Releases Glossary and Translations of Commonly-Used Terms

30 September 2020

It's Official: Calif. Governor Approves Debt Collection Licensing, Mini-CFPB

29 September 2020

Operation Corrupt Collector: Federal and State Regulators Announce Sweeping Law Enforcement Action

29 September 2020

SCOTUS Nominee Amy Coney Barrett Previously Ruled on TCPA ATDS Definition—What Position Did She Take?

29 September 2020

The Slow Demise of Recent Collection Letter Overshadowing Claims

24 September 2020

As NYC DCA Language Rule Deadline Approaches, Questions Remain

23 September 2020

2nd Cir. Holds FDCPA Defendant’s ‘Bona Fide Error’ Defense Should Go to Jury

22 September 2020

Nevada to Extend "Work From Home" Provisions Through End of Year

21 September 2020

Eleventh Circuit Court of Appeals Holds that Incentive Payments Commonly Awarded to Class Representatives are Impermissible in a Classwide Settlement

21 September 2020

NYDFS Bares its Teeth, Files its First Enforcement Action Against Debt Collector

17 September 2020

Pandemic Causes Historic Debt Collection Law Changes [Podcast]

16 September 2020

Bona Fide Error Defense Doesn't Always Apply in "Amount of Debt" Cases

14 September 2020

Credit Reporting Issues and False Threats from Debt Collectors—Featured Topics in CFPB's Supervisory Highlights

10 September 2020