Collector - October 2016 - 40

GOVERNMENTAFFAIRS ACPAC Election Watch The impending battle for control of Congress. By Rae Ann Bevington A s the election nears, Democrats and Republicans running for federal office are wondering how the presidential candidates will impact down-ballot races. Voters are upset with the status quo and are seeking real change. Polls and reports throughout the spring and summer have exposed an anxious electorate, with a majority of Americans feeling the country is on the wrong track. Legislators elected in November will determine the course our country will take in response to economic stagnation, national security, immigration, terrorism and the dissatisfaction with government as a whole. The battle for Congress is on the horizon, and members of Congress are scurrying back to their states to shore up support. It will likely be down to the wire for control of the White House and Congress. Our nation's policymakers may seem far removed from your daily activities, but the policies they put in place can ultimately make or break your business. An essential element to the success of any national trade association's lobbying efforts is its political arm. ACPAC is the Political Action Committee of ACA International. Its mission is to forge a powerful political partnership among ACA, its state units and all 3,500 members to protect the collection industry from legislative and regulatory risk. ACPAC is bipartisan and supports candidates for federal office who share and support the views of ACA members. As a matter of strategic principle, ACA has sought to build relationships on both sides of the aisle in order to be well positioned regardless of the election outcome. With a number of very tight races in both the U.S. House of Representatives and Senate, ACPAC has been tracking events very carefully and investing our PAC dollars 40 in solid pro-business candidates who are supportive of our issues. Currently, the Republicans hold a 247-186 majority in the House. The battle for control of the people's chamber focuses primarily on 20 competitive House races: three Democraticheld seats and 17 Republican-held seats. For Democrats to recapture the House, the minority must gain 31 seats on election night. House Republicans are predicted to lose some of their majority, perhaps five to 10 of the seats, but Democrats must win a large swath of Republican seats to regain control of the House. In the upper chamber, the current Senate lineup is 44 Democrats, 54 Republicans and two Independents who caucus with the Democrats, giving the Democrats a 46-seat minority. Of the 34 Senate races on the ballot this November, Democrats are defending 10 and Republicans are defending the other 24. The Democrats must win five seats to recapture the Senate. Republicans have very few pickup opportunities, and political pundits estimate the GOP will lose seats in November given the sheer number of Senators up for reelection. A significant surge by the Democratic presidential candidate Hillary Clinton could lift the Democrats into striking distance of gaining control of the Senate. Battleground states for the Republicans are: Florida (U.S. Sen. Marco Rubio); Illinois (U.S. Sen. Mark Kirk); Indiana (Open-U.S. Sen. Dan Coats); New Hampshire (U.S. Sen. Kelly Ayotte); Ohio (U.S. Sen. Rob Portman); Pennsylvania (U.S. Sen. Pat Toomey) and Wisconsin (U.S. Sen. Ron Johnson). For Democrats, the battleground state is Nevada (Open-U.S. Sen. Harry Reid). If the Democrats accomplish their goal of retaking control of the Senate in November, U.S. Sen. Charles Schumer (D-N.Y.) would mostly likely become the Majority Leader. A Democratic majority would mean major changes because there would be a swap in who controls powerful Senate committees. The wild cards in this year's election are the "Bernie" and "Trump" factor. Will the "Bernie" and "Trump" movement bring scores of typical nonvoters into the voting booth? The anti-establishment crusade has evolved from a grassroots movement to a major political force this election. Dissatisfied activists on both sides of the political aisle could effect real change in the makeup of Congress on Election Day. Finally, the big dollar independent political organizations known as Super PACs are having a tremendous effect on federal elections throughout the country. Technically known as independent expenditure-only committees, Super PACs may raise unlimited sums of money from corporations, unions, associations and individuals, and then spend unlimited sums to overtly advocate for or against political candidates. Unlike traditional PACs, Super PACs are prohibited from donating money directly to political candidates. The number of Super PACs registered with the Federal Election Commission has surged to 1,230 since the inception of this new political entity. The Super PAC movement is changing the face of American politics. The 2016 elections will set the course for the future direction of the U.S. While the year ahead promises many challenges for the credit and collection industry, ACA's Government Affairs team has been making huge strides in highlighting the important work of the credit and collection industry to lawmakers in Washington, D.C., and around the country. We look forward to working with the membership to continue to deliver our message to the incoming 115th Congress. Rae Ann Bevington is ACA International's Political Action Committee director. ACAINTERNATIONAL.ORG http://www.ACAINTERNATIONAL.ORG

Table of Contents for the Digital Edition of Collector - October 2016

President’s Page
Industry News
Best Practices
Collection Tips
Connect the Dots
Looking Deeper
Head of the Class
Honor Roll
The Formula of Five
How to Create Winning Bids and Proposals
A Running Start
ACPAC Election Watch
ACA’s Industry Advancement Program Aids Eleventh Circuit Win for Member Company
ACA SearchPoint
Last Word
Collector - October 2016 - Cover1
Collector - October 2016 - Cover2
Collector - October 2016 - 1
Collector - October 2016 - 2
Collector - October 2016 - President’s Page
Collector - October 2016 - Industry News
Collector - October 2016 - 5
Collector - October 2016 - 6
Collector - October 2016 - 7
Collector - October 2016 - Best Practices
Collector - October 2016 - 9
Collector - October 2016 - FYI
Collector - October 2016 - 11
Collector - October 2016 - Collection Tips
Collector - October 2016 - 13
Collector - October 2016 - Connect the Dots
Collector - October 2016 - 15
Collector - October 2016 - 16
Collector - October 2016 - 17
Collector - October 2016 - 18
Collector - October 2016 - 19
Collector - October 2016 - Looking Deeper
Collector - October 2016 - 21
Collector - October 2016 - 22
Collector - October 2016 - 23
Collector - October 2016 - Head of the Class
Collector - October 2016 - 25
Collector - October 2016 - 26
Collector - October 2016 - 27
Collector - October 2016 - Calendar
Collector - October 2016 - Honor Roll
Collector - October 2016 - The Formula of Five
Collector - October 2016 - 31
Collector - October 2016 - How to Create Winning Bids and Proposals
Collector - October 2016 - 33
Collector - October 2016 - 34
Collector - October 2016 - 35
Collector - October 2016 - A Running Start
Collector - October 2016 - 37
Collector - October 2016 - 38
Collector - October 2016 - 39
Collector - October 2016 - ACPAC Election Watch
Collector - October 2016 - 41
Collector - October 2016 - ACA’s Industry Advancement Program Aids Eleventh Circuit Win for Member Company
Collector - October 2016 - 43
Collector - October 2016 - Compliance
Collector - October 2016 - 45
Collector - October 2016 - ACA SearchPoint
Collector - October 2016 - 47
Collector - October 2016 - Last Word
Collector - October 2016 - Cover3
Collector - October 2016 - Cover4