Collector – July 2019 - 12

FYI

RISK MANAGEMENT

ECONOMY

IDENTIFYING SECURITY THREATS
Data breach and cybercrime rates continue to rise, driving
business security spending and highlighting the need to face
risks head on. Where are the threats coming from? A recent
FICO survey asked businesses to identify the employees or
contractors they believe pose the highest level of security risk
to their organization, and the majority reported they were most
worried about internal staff rather than external providers.

44%

Who poses risk to your company?
Third-party contractors

4%

Executive management

11%

External IT service providers

15%

Everyday business users

16%

System admins & IT staff

20%

Senior IT management

31%

Small businesses create two-thirds
of the nation's new jobs and account
for 44% of U.S. economic activity.
Source: U.S. Small Business Administration

OVERHEARD

Source: FICO

CREDIT

UNDER PRESSURE
A recent Merrill Lynch Wealth Management survey found that 60% of Americans
between the ages of 18-34 define financial success as being "debt free,"
compared to 19% who define it as being "rich."
Yet the pressure to spend money is constant, especially when social media
shows you what others are buying, like new clothes, restaurant meals and
tropical vacations. The result? One in four adults in this age group with a 401(k)
say they've already made an early withdrawal, largely to cover credit card debt.

Adults ages 18-34 say they feel pressure to:

82% 77% 77%
67% 62% 60%
51%
Make a lot
of money

12

Be more
physically
attractive

Find a better
job/get
promoted

Buy a home

Get married

Buy things
I cannot
easily afford

Have
children

"Legislators rely on their
staff to do a lot of their
footwork, and I don't know
that I'm so comfortable
allowing their staff
members, who may not
know the industry, to put
forth a bill that's going
to impact me and my
operation. You need to get
involved because you're the
one with the information
and you're the one who's
going to tell the story."
-Anita Manghisi,
IFCCE, ACA board
member and president
of Independent
Recovery Resources
Inc., on a recent
episode of ACA Cast.
Listen and subscribe
at acainternational.
org/acacast.

Source: Merrill Lynch Wealth Management

ACAINTERNATIONAL.ORG


https://www.acainternational.org/acacast https://www.acainternational.org/acacast

Collector – July 2019

Table of Contents for the Digital Edition of Collector – July 2019

Upfront
Industry News
Best Practices
FYI
Collection Tips
What you need to know about the CFPB’s proposed new rule for the debt collection industry
“I don’t know about you, but I’ve literally never received a telegram and wouldn’t even know how to send one.”
Celebrating 80 Years of Helping Members Succeed
How Does ACA Help Members Succeed?
A History of Advocacy
8 Decades of ACA’s Annual Convention
Calendar
Honor Roll
Education Spotlight
Tell It Like It Is: Washington Hears From ACA Members
Collectors Challenge 2019: Getting Creative for a Good Cause
Balance it Out
Balance Billing Challenges Continue
It’s All About You: Helping Members Succeed
Sandbox Rules
What is a Product Sandbox?
in 11th Circuit Case Examining What Constitutes an ATDS
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – July 2019 - Cover1
Collector – July 2019 - Cover2
Collector – July 2019 - 1
Collector – July 2019 - 2
Collector – July 2019 - 3
Collector – July 2019 - Upfront
Collector – July 2019 - 5
Collector – July 2019 - Industry News
Collector – July 2019 - 7
Collector – July 2019 - 8
Collector – July 2019 - 9
Collector – July 2019 - Best Practices
Collector – July 2019 - 11
Collector – July 2019 - FYI
Collector – July 2019 - 13
Collector – July 2019 - Collection Tips
Collector – July 2019 - 15
Collector – July 2019 - What you need to know about the CFPB’s proposed new rule for the debt collection industry
Collector – July 2019 - 17
Collector – July 2019 - “I don’t know about you, but I’ve literally never received a telegram and wouldn’t even know how to send one.”
Collector – July 2019 - 19
Collector – July 2019 - 20
Collector – July 2019 - 21
Collector – July 2019 - 22
Collector – July 2019 - 23
Collector – July 2019 - Celebrating 80 Years of Helping Members Succeed
Collector – July 2019 - 25
Collector – July 2019 - How Does ACA Help Members Succeed?
Collector – July 2019 - 27
Collector – July 2019 - 28
Collector – July 2019 - 29
Collector – July 2019 - A History of Advocacy
Collector – July 2019 - 31
Collector – July 2019 - 8 Decades of ACA’s Annual Convention
Collector – July 2019 - 33
Collector – July 2019 - 34
Collector – July 2019 - 35
Collector – July 2019 - Calendar
Collector – July 2019 - Honor Roll
Collector – July 2019 - Education Spotlight
Collector – July 2019 - 39
Collector – July 2019 - Tell It Like It Is: Washington Hears From ACA Members
Collector – July 2019 - 41
Collector – July 2019 - Collectors Challenge 2019: Getting Creative for a Good Cause
Collector – July 2019 - 43
Collector – July 2019 - Balance Billing Challenges Continue
Collector – July 2019 - 45
Collector – July 2019 - 46
Collector – July 2019 - 47
Collector – July 2019 - It’s All About You: Helping Members Succeed
Collector – July 2019 - 49
Collector – July 2019 - 50
Collector – July 2019 - 51
Collector – July 2019 - What is a Product Sandbox?
Collector – July 2019 - 53
Collector – July 2019 - in 11th Circuit Case Examining What Constitutes an ATDS
Collector – July 2019 - 55
Collector – July 2019 - ACA SearchPoint
Collector – July 2019 - Ad Index
Collector – July 2019 - Membership
Collector – July 2019 - 59
Collector – July 2019 - Last Word
Collector – July 2019 - Cover3
Collector – July 2019 - Cover4
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