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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Animated image of people talking around a bar [Image by creator Adrian Hillman from AdobeStock]

Top 10 Elevator Conversations for the CFPB’s Proposed New Rules for Debt Collection – Part 1

28 May 2019
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Illinois State Appellate Court Upholds Dismissal of FDCPA and State Law Claims, Finds 4-Year UCC SOL Not Applicable to Credit Card Purchases

23 May 2019
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Five Suggestions from the CFPB for NPRM Comments

22 May 2019
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CFPB Sues Yet Another Collection Firm for Lack of Meaningful Attorney Involvement Despite Promises to End Regulation by Enforcement

21 May 2019
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Two Recent Developments on the Discovery Rule and the FDCPA: Second Circuit Says Discovery Rule Doesn't Apply, U.S. Supreme Court Agrees to Review the Issue

15 May 2019
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Court Finds ATDS Allegations Survive Pleading Stage With a Nod Toward Need for FCC Guidance

13 May 2019
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CFPB Hosts Debt Collection Town Hall; CRC Director Stephanie Eidelman Highlights Consumer Authentication Conundrum

9 May 2019
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The NPRM’s New Validation Notice: Breakdown of the Validation Period, Check Boxes, and Itemization of Debt

8 May 2019
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CFPB Releases NPRM for Debt Collection; Includes Extensive Detail for Electronic Communication, 7 Call Attempt Limit, and New Requirements for Validation Notice

7 May 2019
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Recent FCC Submission Fleshes out Potential ATDS and Revocation Paradigms

6 May 2019
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Five Things To Do Prior to the NPRM's Release

6 May 2019
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Breakdown of Four New Requirements for Collecting Medical Debt in the State of Washington

1 May 2019
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Validation Notice Lawsuits: Overlooked Ruling from Third Circuit Proves Debt Collectors are Right! (Podcast)

1 May 2019
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New York Judge Questions Actions and Motivations of Plaintiff’s Counsel, Order to Show Cause Issued for Sanctions

30 April 2019
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New Ruling Shows How Convenient Memories Often Make for Large-Dollar Lawsuits in TCPAWorld

30 April 2019
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NYDFS Launches New "Powerhouse" Consumer Protection and Enforcement Division

30 April 2019
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Release of Debt Collection Rules Speculated to Coincide with CFPB’s Town Hall in Philadelphia Next Week

29 April 2019
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CFPB Announces Change to CID Policy, Promotes Transparency in Investigations

23 April 2019
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CFPB Announces Symposia Series, Will Clarify "Abusive Acts and Practices" and Discuss Consumer Privacy

23 April 2019
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Court Compels Lexington Law to Produce Client Communications Related to Generating Credit Dispute Letters

23 April 2019

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