COLLECTOR APR2017 CONTENT ® VOL.82 NUM.09 CO NV EN T IO NP RE V IE W COVER ACA INTERNATIONAL CONVENTION & EXPO JULY 16-18 2017 Explore highlights of ACA's Annual Convention and Expo in Seattle. 16 Highlights 42 Make the Grade 46 The Payment Revolution 50 ACA Industry Advancement Program Helps Bring Ninth Circuit TCPA Win to Industry Columns & Departments Features 28 34 Inside Consumer Spending Patterns The cost of living continues to surpass income growth in the U.S., causing consumers to borrow for more of their expenses. Understanding how consumers are spending and saving can help you better connect with them to both extend credit and resolve their accounts. By Katy Zillmer Clearing the Hurdles Five mistakes you might be making when it comes to HIPAA compliance-and how to fix them. By Anne Rosso May 3 President's Page 4 Industry News 10 Best Practices 12 FYI 14 Collection Tips 40 Calendar 41 Honor Roll 52 Compliance 54 ACA SearchPoint 56 Last Word ACAINTERNATIONAL.ORG COLLECTOR 04.17 G74410_ACAI_0417.indd 1 1 3/17/17 11:20 AMhttp://www.ACAINTERNATIONAL.ORG https://www.youtube.com/user/ACAJN http://twitter.com/acaintl http://www.linkedin.com/groups?home=&gid=1900905 http://www.facebook.com/pages/ACA-International-the-Association-of-Credit-and-Collection-Professionals/364138550290