Collector - August 2017 - 27
ACA International's state and regional units have been
busy advocating for industry priorities. Here's a look
back at some of the more significant state-level
action we've seen so far this year.
By Andrew Madden
CA International and its 38 state
and regional units have been busy
working on state legislation and
advocating for industry priorities in 2017.
All 50 states convened legislative sessions
this year to consider thousands of bills
and to hold hearings on a wide array of
ACA is tracking more than 390 bills
introduced in state legislatures across the
country that, if enacted, would impact
the debt collection industry. ACA and its
units are leading efforts to both support
and oppose legislation, often organizing
and participating in broad coalitions that
collectively advocate for shared interests.
Here's a recap of the more prevalent
legislative issues being considered in 2017.
Placing new restrictions and expanding
exemptions on garnishment is an issue
that gained momentum in several states
this year, including California, Nebraska
and Colorado. The Associated Collections
Agencies (Colorado, Wyoming and New
Mexico) opposed two bills in Colorado,
SB 80 and SB 131, which were held in
committee after hearings and died upon
The Nebraska Collectors Association
was also working to defeat or amend two
garnishment bills in its state, including LB 136
and LB 229. Both bills received hearings and
were held in the Judiciary Committee to be
carried over to the 2018 legislative session.
The California Collectors Association
is working on this issue with pending
legislation still moving through the
Many state legislatures considered
expanding their tax codes during this
legislative session. At least 17 states
debated expanding sales taxes on services,
which in some cases would encompass
A proposal in Louisiana specifically
listed debt collection services in the
legislation, while others could have been
interpreted to cover collection activities.
At press time, none of the proposals that
would impact the industry have passed.
Major tax code adjustments proposals
are more common immediately following
an election year and are becoming more
appealing to states that continue to see their
traditional sales tax revenue impacted by
increased online sales. Elected officials seem