In their February 2009 report, the Commission raised concerns about consumer protection as related to "debt collection litigation and arbitration practices." These concerns were repeated in their 2010 report in which the Commission stated that system in place for "resolving consumer debts" was "broken." Consumers were "not adequately protected in either debt collection litigation or arbitration." The FTC recommended that the federal and state governments, and the debt collection industry, implement reforms to increase the efficiency and fairness of the system.