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The Telephone Consumer Protection Act of 1991 (TCPA) is the primary law in the U.S. governing the conduct of telemarketers. Its primary regulator is the Federal Communications Commission (FCC). The TCPA restricts the use of dialers, prerecorded voice messages, SMS text messages received by cell phones, and the use of fax machines. Even though the law was not designed with ARM in mind, debt collectors often find themselves restricted in the communication technology they can use. In addition, contradictory guidance from regulators and court rulings has led to an explosion in the number of TCPA cases collection agencies must defend.

insideARM maintains an abundance of information about TCPA developments related to the ARM industry. View our case law grid here, and our TCPA Toolbox here.

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Graduation: ARM-U 2015 Highlights Need for Regulatory Clarity

5 June 2015

TCPA Rulings Expected to Have Substantial Impact on Financial Services Industry

4 June 2015

FCC Issues Fact Sheet Rather Than Clarity on TCPA Proposals

28 May 2015

FDCPA/FCRA Litigation Trending Upward, TCPA & CFPB Complaints Down Slightly

19 May 2015

TCPA Roundup: As Big Data Grows, So Does Scale of TCPA Violations

14 May 2015

VISA Veteran Will Join FCC June 1 to Oversee TCPA

7 May 2015

FDCPA Lawsuits Still Rising in Early Part of 2015 as TCPA Claims Decline

1 May 2015

Supreme Court to Hear Case on Statutory Damages Without Actual Harm; Could Impact FDCPA Cases

29 April 2015

Filing a TCPA lawsuit? There's an App for that

27 April 2015

TCPA Compliance Frequently Asked Questions

16 April 2015

ARM Firms Should Assess Multidistrict Litigation for Simultaneous FDCPA and TCPA Cases

2 April 2015

TCPA Plaintiffs Skipping ARM Firms for Claims, Shifting Liability to Creditors/Originators

11 March 2015

Judge Approves Third Largest TCPA Settlement Ever with Credit Card Issuer

9 March 2015

FDCPA Lawsuits Up in January and TCPA Claims Down, Reversing 2014 Trends

26 February 2015

American Express Forced to Defend TCPA Class Action Over Debt Collection Calls it Didn't Make

24 February 2015

Federal Judge Issues Positive TCPA Ruling; Potential Capacity in ATDS Not Enough for Violation

13 February 2015

ARM Industry Trade Groups Join Many Others in TCPA Reform Letter to FCC

3 February 2015

Is There a "Silver Bullet" for Defeating FDCPA and TCPA Claims?

29 January 2015

FDCPA Lawsuits Decline for Third Straight Year, But TCPA Suits Up 25%

23 January 2015

Plaintiff Uses TCPA to Trigger FDCPA Claim Against Collector; Federal Judge Says No

13 January 2015

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