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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Four Things That the CFPB's Final Debt Collection Rule Got Right

8 November 2020
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The Puzzle Box That is the Validation Notice Provision in the CFPB's New Rules

5 November 2020
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The CFPB's Final Debt Collection Rule: Impacts on Creditors

4 November 2020
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CFPB Advisory Opinions: Hope for Debt Collectors or a Pipe Dream?

3 November 2020
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CFPB Final Debt Collection Rule v. NPRM: What Made the Final Cut?

2 November 2020
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CFPB Debt Collection Rule Released: How Did the Cookie Crumble on Hot Industry Topics?

30 October 2020
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Court Holds Counterclaim Seeking to Recover Debt in TCPA Suit May Proceed

29 October 2020
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Justice Amy Coney Barrett's Narrow Interpretation of the TCPA's ATDS Definition

28 October 2020
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A Review of Supreme Court Justice Amy Coney Barrett's Prior FDCPA Court Decisions

27 October 2020
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Mass. AG Moves to Dismiss ACA Lawsuit on Collection Call Ban for Mootness

26 October 2020
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Debt Collection Should be on Congress' Mind, Congressional Research Service Suggests

26 October 2020
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Credit Eco To Go: The Personalization of the Consumer Digital Engagement

21 October 2020
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The Trichell Offspring Saga: M.D. Fla. Dismisses FDCPA Suit for Lack of Standing

20 October 2020
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CFPB Settles with Encore for $15MM Civil Penalties and $78K Monetary Relief

19 October 2020
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Hopefully the End of the Debt Itemization Circus? 7th Cir. and CFPB Side with Debt Collector

15 October 2020
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Wave of Federal Lawsuits Slam Furnishers for “Inaccurate” Credit Reporting of Accounts in Bankruptcy

14 October 2020
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Wash. State Extends Work from Home Emergency Rule

12 October 2020
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Common Bonding Issues for Collection Agencies

12 October 2020
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Yes, Debt Collectors Can Still Call Numbers Supplied to Creditors as Part of Underlying Transaction

8 October 2020
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Washington, DC Extends its COVID-19 Collection Ban

8 October 2020

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