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).

See all Topics
 [Image by creator Krasimira Nevenova from AdobeStock]

California DFPI Issues Notice of Proposed Rulemaking Regarding Debt Collection Licensing Application and Requirements

26 April 2021

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

BREAKING: 11th Circuit Holds Transmitting Data to Mail Vendor is Unauthorized Third-Party Disclosure

21 April 2021

A set of five different-shaped road signs that all say "Penalty" [Image by creator Argus from AdobeStock]

CFPB has Busy April - Reaches Agreements for Fines and Penalties with Two Organizations

21 April 2021

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

3rd Cir. Holds No FDCPA Violation When Non-Interest-Bearing Debt Itemized ‘$0.00’ for Interest

21 April 2021

 [Image by creator Gregory Johnston from AdobeStock]

Keystone: A Court in PA Just Quietly Saved TCPAWorld from a Massive Onslaught of New Internal DNC Cases and No One is Talking About it

20 April 2021

3 white animated figures, two wearing only ties and boxing gloves. Figure in the middle wearing a bow tie and holding up one hand as the winner. [Image by creator Texelart from AdobeStock]

Landmark Victory! Debt Collector Did Not Deceive Debtor Who Refused to Give Name

14 April 2021

Image from a dictionary showing the word leg-is-la-tion [Image by creator Art of Success from AdobeStock]

New Mexico Law Targets Healthcare Collections

12 April 2021

 [Image by creator Krasimira Nevenova from AdobeStock]

CFPB Proposes to Delay Effective Date of Reg F for 60 Days

8 April 2021

Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

FACEBOOK IS OUT!: The 6 Most Critical Take Aways–and One Most Important Question–Following the Supreme Court’s HUGE TCPA ATDS Ruling

6 April 2021

Small statue of lady justice [Image by creator sebra from AdobeStock]

No, the Facebook Win Does Not Mean TCPA Litigation is Over

5 April 2021

 [Image by creator Gregory Johnston from AdobeStock]

Post-Facebook TCPA Update– Here’s Everything You Need to Know About The Last 24 Hours in TCPAWorld

5 April 2021

 [Image by creator Leigh Prather from AdobeStock]

Executive Q&A: Stephanie Eidelman Talks With Todd Meeks of Neustar

30 March 2021

 [Image by creator  from ]

Regulation F FAQ: Disputes

24 March 2021

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

Consumer Relations Consortium Submits Comments to California DFPI Regarding Debt Collection Rules

10 March 2021

Crumpled pieces of paper in white, green blue, red and yellow printed with question marks and the words "wrong" and "right" [Image by creator Stepan Popov from AdobeStock]

CFPB Debt Collection Rule Alert: 11 Whopping Misstatements You Need to Know About

9 March 2021

Credit Eco to Go and insideARM podcast partnership [Image by creator  from ]

Framing the Discussion of the Role of Consumer Financial Services

22 February 2021

 [Image by creator danielfela from AdobeStock]

Is This the End of Credit Reporting for Debt Collectors?

18 February 2021

Credit Eco to Go and insideARM podcast partnership [Image by creator  from ]

Calling Balls and Strike on the Debt Collection Rule

8 February 2021

 [Image by creator kentoh from AdobeStock]

CFPB Acting Director Asks Markets Group to Look into Pausing Debt Collection Rule

5 February 2021

Computer keyboard with a key that says emotional distress [Image by creator Alifuat from AdobeStock]

“You Hurt My Feelings!” An Examination of Emotional Distress Damages under the FDCPA

2 February 2021