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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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A Deeper Dive into the CFPB’s Debt Collection Disclosure Survey

7 February 2019
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Local Number Outpulsing Not Deceptive or Misleading According to E.D. Pa., Outlining Yet Another FDCPA Litigation Dilemma

6 February 2019
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CFPB Re-Publishes Request for Comment on Survey for Debt Collection Disclosures

5 February 2019
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Triple-Whammy Petition Before U.S. Supreme Court: Written Requirement for Disputes, Reason for Dispute, and Whether “Least Sophisticated Consumer” is a Question of Law or Fact

4 February 2019
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The True Cost of Litigation: The ARM Industry's Dilemma and One Company's Response

30 January 2019
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D.N.J. and E.D. Pa. at Odds: Does a Letter Tracking FDCPA Validation Language Confuse a Consumer or Not?

29 January 2019
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Legislation Introduced in New York, Illinois Would Require Debt Collection Notices

29 January 2019
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CCPA Part II: What The CCPA Will Mean For Your Compliance Platform

28 January 2019
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E.D.N.Y. Provides Clarity on Identifying Creditor for Store Branded Credit Cards

24 January 2019
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Yet Another 1692g "In Writing" Case Denied Dismissal in E.D. Pa.

23 January 2019
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An Open Letter to the CFPB: Court Rulings on Validation Notice Hurt Consumers and Collectors

22 January 2019
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Reasonable Investigation Under FCRA: Two Times Might Not Be a Charm

22 January 2019
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Massachusetts Debt Collection Regulations, An Explainer: Communications

17 January 2019
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Lack of Settlement Payment Due Date Raises Issues in E.D. Wisc., “Promptly” is Not Enough

17 January 2019
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Calif.'s Second Public Privacy Forum on CCPA in Review

15 January 2019
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Sixth Circuit: “Cease” Requirement Includes Third Party Activities Put Into Action by Debt Collector

14 January 2019
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Summary of Calif. AG Public Forum on Consumer Privacy Act in San Francisco

10 January 2019
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Supreme Court Split in Unexpected Ways During Oral Arguments for Obduskey v. McCarthy & Holthus LLP

10 January 2019
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Meaningful Attorney Involvement: Another Case Tells Us What Doesn't Qualify, but What Does?

9 January 2019

Top 9 Collection Industry Predictions for 2019

9 January 2019

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