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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Arms of 5 business people holding up different colored large "quote" marks [Image by creator Sergey Nivens from AdobeStock]

Support for Balanced Debt Collection Regulations From an Unlikely Source

27 November 2019
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Debt Collector Accuses Lexington Law of Destroying Evidence in Lawsuit on Credit Dispute Letters

26 November 2019
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CFPB Regulatory Agenda Marks Final Debt Collection Rule for 2020...And the Clock is Ticking to Avoid CRA Nullification

25 November 2019
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Ringless Voicemail Defendant Keeps Up the Pressure With Motion to Strike Plaintiff’s Expert Report

25 November 2019
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Legitimate Debt Collector or Scam? CFPB Releases Video to Educate Consumers on Spotting the Differences

21 November 2019
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Capital One Asks the FCC To Make It Easier For You to Communicate With its Very Polite Texting Robot: Here’s Why That’s a Good Thing

20 November 2019
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Eleventh Circuit Holds That Court Abuses Its Discretion Certifying a TCPA Case Containing Uninjured Class Members

19 November 2019
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Federal Robocall Legislation Update

18 November 2019
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A 5-Step Dive into HIPAA Compliance for Email and Text

14 November 2019
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Sergei Lemberg Joins the Unprecedented Podcast to Discuss TCPA After Regaining His Status as TCPAWorld’s Top Filer

12 November 2019
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Mass. AG Enters $4M Settlement with PRA for Allegedly Violating Consumer Protection Laws

11 November 2019
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A Push for FDCPA Amendments: Four Bills Introduced to Amend Different Provisions of the Statute

11 November 2019
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Pass-Through Online Payment Processing Fees are Exceptions to FDCPA, Says N.D. Ill.

7 November 2019
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Prevailing TCPA Plaintiff Sues Debt Collector's Insurer for Bad Faith Failure to Settle the Case Within the Policy's Limits

7 November 2019
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Subpoenaed Cell Phone Records Cost Plaintiff $3k—Better than $56k Though

7 November 2019
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Second Circuit Double-Hitter: Neither "$0.00" Nor "N/A" in Debt Itemization Confuses Consumers about Static Debts

6 November 2019
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The State of Collections: TransUnion and Aite Group Release Report, Outline Challenges and Present Optimistic Future

5 November 2019
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Talk About Scary: Manual Calls Might be Dialer Calls, Landlines Might be Cell Phones and More TCPA Facts and Stats to Freak You Out

4 November 2019
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No, Sending Information to Your Mail Vendor is Not Third-Party Disclosure, Says M.D. Fla.

31 October 2019
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New Calif. Law Removes Attorney Exemption from Rosenthal Act "Debt Collector" Definition

31 October 2019

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