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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New Year, New Debt Collection Laws and Regulations Take Effect
5 January 2015
Court Allows FDCPA Suit Where Assignment of Judgment Failed to List Current Balance of Debt
24 December 2014
DC Bar's "Pro Bono Lawyer of the Year" Sanctioned by Federal Judge in FDCPA Case
22 December 2014
CFPB and State AGs Settle with Retailer Over Debt Collection Practices Against Servicemembers
19 December 2014
Judge Rules that Government Debt is Covered by FDCPA, Forcing Collection Agency to Defend
18 December 2014
CFPB Sues Texas Company for Sham Credit Card
18 December 2014
Potential ARM Game Changers to Watch for in 2015
18 December 2014
Creating an Effective Compliance Program: A Focus on Risk Assessment
17 December 2014
Texas AG Announces Investigation Into Scam Debt Collection Calls
17 December 2014
Foti Out? Zortman In? What's Up With Voicemail Messaging?
16 December 2014
Outbound Collection Communications: Meeting FDCPA, CFPB and TCPA Requirements
16 December 2014
SEC Takes Action Against Hedge Fund Managed by Debt Collector
15 December 2014
CFPB Shuts Down Student Loan Debt Relief Scam as Senators Press ED on Loan Discharges
12 December 2014
New York Debt Regulations Create Chaos
10 December 2014
Federal Judge Says FCC Fails on Consent Rules Clarity in TCPA Class Action Ruling
9 December 2014
Florida AG Warns Against Debt Collection Scams
9 December 2014
Developments in 1099-C Case Against BofA Should be Closely Watched by ARM Firms
8 December 2014
CFPB Takes Action Against Debt-Settlement Firm
5 December 2014
Executive Change: insideARM Hires ARM Veteran to Provide Expertise on Collection Compliance Operations
4 December 2014
Twitter Forced to Defend TCPA Lawsuit on Text Messages; Possible Ramifications for SMS Use in Collections
4 December 2014
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