Collection Laws and Regulations News RSS Feed

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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Business man yelling into a megaphone [Image by creator motortion from AdobeStock]

CFPB Sues Encore for Issues Related to Collection Litigation and Time-Barred Debts (and the Irony Behind Some of These Claims)

9 September 2020
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Government Agrees the TCPA Only Covers Random-Fire Dialers...So What Are We Still Doing Here?

8 September 2020
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Louisiana's Emergency Prohibition of Telephonic Solicitation Might Cover Debt Collection Calls

8 September 2020
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Plaintiff's Counsel Drops the Ball, Court Grants Summary Judgment for Debt Collector

3 September 2020
File drawer with one folder in focus, labeled "Licenses" [Image by creator tashatuvango from AdobeStock]

Brace Yourselves: California Debt Collection Licensing is (Probably) Coming

2 September 2020
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

“Threadbare Allegations” not Enough to Prosecute a TCPA Claim

2 September 2020
A sea of small white paper boats "swimming up stream", with one blue boat swimming off to the side [Image by creator Worawut from AdobeStock]

Neither Snow Nor Rain Nor Heat Nor Gloom of Night: Debt Collection and the USPS

26 August 2020
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Another Overshadowing FDCPA Claim Bites the Dust

25 August 2020
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Nevada Confirms that its Work from Home Provisions Have Expired

24 August 2020
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TCPA Filings Way Down so Far in August, 2020– Dog Days of Summer or Facebook Effect?

24 August 2020
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

2nd Cir. Confirms No Private Right of Action for FCRA ‘Direct Dispute’

19 August 2020
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The Final Piece to the ATDS Puzzle? Huge TCPA Ruling in Kansas May Determine the Fate of Tenth Circuit ATDS Cases Ahead of Facebook

18 August 2020
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California's Mini-CFPB Proposal Pokes its Head Out of the Ground Again

18 August 2020
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CCPA Regulations Finalized

17 August 2020
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Colorado Proposed Debt Collection Rule Changes, Stakeholder Meeting Scheduled

13 August 2020
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Virginia Supreme Court Evictions for Failure to Pay Rent, but Not Without Scalding Dissents from Within its Own Bench

12 August 2020
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Dismissals of Overshadowing/Letter Format Claims Continue in E.D.N.Y.

11 August 2020
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Breakdown of NYC DCA FAQs and Reporting Requirements for New LEP Rule

10 August 2020
A white computer keyboard with a large green key that says "Payment" [Image by creator ArtemSam from AdobeStock]

Attention ARM Leaders: Debt Collection Payment Portals are Communications Under the FDCPA

6 August 2020
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Callers, Start Your Engines: Reassigned Number Database is Revving Up

3 August 2020

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