Yes — but the regulatory framework for B2B commercial collection differs significantly from consumer collection regulation.
Consumer debt collection is heavily regulated to protect individuals: the FDCPA (US), Consumer Credit Act (UK), and similar legislation restrict contact hours, frequency, and methods. B2B commercial collection faces lighter regulation because the debtor is a sophisticated business entity, not a vulnerable individual.
The Late Payment Directive (2011/7/EU) governs B2B payment terms and establishes creditor rights: maximum 60-day payment terms, statutory interest at ECB + 8%, and EUR 40 fixed compensation per invoice. GDPR applies to all data processing in collection activities.
Germany: Inkasso agencies regulated under the Rechtsdienstleistungsgesetz (registration required). UK: FCA authorisation for consumer collection; Pre-Action Protocol for all debt claims. France: collection agencies must hold a licence and follow specific procedural requirements. Nordics: strict credit reporting regulations.
FENCA (Federation of European National Collection Associations) sets pan-European standards. National associations (BDIU in Germany, CSA in the UK) provide member certification and oversight.
Professional agencies maintain compliance across all jurisdictions they operate in. This regulatory knowledge is part of the value they provide — creditors don't need to navigate each country's regulatory landscape themselves.
Our debt recovery agency with over 21 years of experience provides: Business to Business Collections Services, Legal Debt Collections and worldwide Skip Tracing services.
