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

A

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
legislative proposals.
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.

GARNISHMENT EXEMPTIONS
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
adjournment.

COLLECTOR 08.17

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
legislative process.

SALES TAXES
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
debt collection.
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

27



Table of Contents for the Digital Edition of Collector - August 2017

President's Page
Industry News
Best Practices
FYI
Collection Tips
Window of Opportunity
A Rising Tide Lifts All Boats
Setting Things in Motion
Calendar
Honor Roll
ACA Members Contribute to Successful Collectors Challenge Month
School Tides
Finding Balance
D.C. Circuit Court Holds Oral Argument in Appeal Over Constitutionality of CFPB
Compliance
ACA SearchPoint
Last Word
Collector - August 2017 - Cover1
Collector - August 2017 - Cover2
Collector - August 2017 - 1
Collector - August 2017 - 2
Collector - August 2017 - President's Page
Collector - August 2017 - Industry News
Collector - August 2017 - 5
Collector - August 2017 - Best Practices
Collector - August 2017 - 7
Collector - August 2017 - FYI
Collector - August 2017 - 9
Collector - August 2017 - Collection Tips
Collector - August 2017 - 11
Collector - August 2017 - Window of Opportunity
Collector - August 2017 - 13
Collector - August 2017 - 14
Collector - August 2017 - 15
Collector - August 2017 - 16
Collector - August 2017 - 17
Collector - August 2017 - A Rising Tide Lifts All Boats
Collector - August 2017 - 19
Collector - August 2017 - 20
Collector - August 2017 - 21
Collector - August 2017 - 22
Collector - August 2017 - 23
Collector - August 2017 - 24
Collector - August 2017 - 25
Collector - August 2017 - Setting Things in Motion
Collector - August 2017 - 27
Collector - August 2017 - Calendar
Collector - August 2017 - Honor Roll
Collector - August 2017 - 30
Collector - August 2017 - 31
Collector - August 2017 - ACA Members Contribute to Successful Collectors Challenge Month
Collector - August 2017 - 33
Collector - August 2017 - 34
Collector - August 2017 - 35
Collector - August 2017 - School Tides
Collector - August 2017 - 37
Collector - August 2017 - Finding Balance
Collector - August 2017 - 39
Collector - August 2017 - 40
Collector - August 2017 - 41
Collector - August 2017 - D.C. Circuit Court Holds Oral Argument in Appeal Over Constitutionality of CFPB
Collector - August 2017 - 43
Collector - August 2017 - Compliance
Collector - August 2017 - 45
Collector - August 2017 - ACA SearchPoint
Collector - August 2017 - 47
Collector - August 2017 - Last Word
Collector - August 2017 - Cover3
Collector - August 2017 - Cover4
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