Topic archive

ARM compliance

Research and practical notes filed under this topic.

December 15, 2025

Debt Collection Compliance in New York and California

New York and California add state-specific requirements that can change how a debt collector or debt buyer evaluates an account, communicates with a consumer, and manages documentation. This overview explains New York substantiation and limitations rules, California’s Rosenthal Act and licensing framework, and the account-level review needed before collection activity or litigation decisions.

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December 15, 2025

SCRA and Bankruptcy Compliance in Receivables Portfolios

Receivables operators must recognize when the Servicemembers Civil Relief Act (SCRA) or a bankruptcy filing changes what collection or litigation activity is permitted. This guide explains the federal baseline, responsible verification, and a documented pause-and-escalate workflow while emphasizing state, court, and fact-specific limits.

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