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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Can the FDCPA’s One-Year Statute of Limitations Be Expanded under the “Discovery Rule”? Supreme Court Will Decide

26 February 2019
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U.S. Supreme Court Won’t Hear Triple-Whammy Case, Circuit Split on Written Dispute Requirement Continues

25 February 2019
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Third Circuit Rules Passive Debt Buyers are Debt Collectors, May Be on the Hook for Collection Agency's FDCPA Violations

25 February 2019
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

E.D.N.Y. Calls Out Disagreement Between Second and Third Circuit, Finds Letter Does Not Limit Disputes Options

21 February 2019
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5 Highlights from the FCC's Report on Illegal Robocalls

20 February 2019
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

Compliance With FCRA’s Requirement To Investigate A Dispute Within 30 Days Does Not Satisfy The FDCPA’s Requirement To Promptly Report A Disputed Debt

20 February 2019
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Two Court Victories Related to Identifying Creditor in Collection Letters

19 February 2019
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What You May Not Know About The Practice of "Pay-for-Delete"

14 February 2019
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Corporate Officer Escapes TCPA Liability for Failing to Implement TCPA Compliance Policies

14 February 2019
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Rhode Island Adopts 5-Year Record Retention Rule for Debt Collectors

14 February 2019
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New Texas Debt Buyer Legislation Would Require More Notices, Addresses Legal Actions

13 February 2019
Image of smiling woman sitting cross-legged on a blue arm chair working on a laptop with floating words "data protection" and lots of white security icons [Image by creator Tierney from AdobeStock]

California’s Fifth Consumer Privacy Act Public Forum in Review

12 February 2019
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iA Video Series: Debt, Privacy, and Third Party Disclosure (Part 1: The Problem)

12 February 2019
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Navient’s $2.5M TCPA Settlement Finalized

11 February 2019
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Federal Court in Texas Finds No Confusion Over Letter with Same Account Number for Two Separate Medical Debts

11 February 2019
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Prelminiary Approval Sought for $2.2M Settlement in FCRA Case Regarding Pulling Credit Reports to Collect on Parking Tickets

11 February 2019
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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
Image of a ripped piece of brown paper exposing a white background and the word "dispute" [Image by creator tumsasedgars from AdobeStock]

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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