The debt collection industry is one of the most heavily regulated industries. The industry is supervised or monitored by multiple governmental agencies, including but not limited to the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Communications Commission, all 50 Attorneys General and licensure laws in 32 states with a number of bonding and corporate registration requirements in the remaining states. Additionally, RMAI implemented its “global standard” certification program in 2013 to promote uniform, consumer-oriented, best practice standards.

In spite of significant regulations and an industry-leading certification program, RMAI believes that all consumers should be aware of their rights if they’re contacted by anyone in the collections industry. See our FAQ page for answers to questions about debt collection and consumer rights.

Learn more about the various regulatory agencies that govern our industry:

Consumer Financial Protection Bureau (CFPB)
  • File a complaint
  • Get advice on getting an auto loan, paying for college, owning a home, or planning for retirement
  • Educational resources
  • Research data
Federal Communications Commission (FCC)
  • Steps to stop unwanted calls, texts, and faxes
Federal Trade Commission (FTC)
  • File a complaint
  • Register for the do-not-call list
  • Get your free credit report
  • Report identity theft
Consumer Protection by State

Learn more about the federal laws that govern our industry:

Fair Debt Collection Practices Act (FDCPA)
Telephone Consumer Protection Act (TCPA)
Fair Credit Reporting Act (FCRA)