Collector – July 2019 - 18

"The FDCPA was written largely to
address communications between debt
collectors and consumers but it hasn't
always been easy to discern how it
might apply to technologies today."
and a small company
called Apple was trying
to introduce the world to
personal, home computers. Back
then, when I was just a toddler,
phone booths were on almost every
corner and the ubiquity of cell phones
wasn't even imaginable. The FDCPA
explicitly addressed the use of postcards,
collect calls, and telegrams. I don't know
about you, but I've literally never received
a telegram and wouldn't even know
how to send one. The upshot is that the
FDCPA was written largely to address
communications between debt collectors
and consumers but it hasn't always been
easy to discern how it might apply to
technologies today."

WHAT THE PROPOSED DEBT
COLLECTION RULE SAYS
In its current state, the proposed rule
would provide clarity on a number of
issues, including:

* Certain disclosures, such as an
itemization of the debt and plainlanguage information about how a
consumer may respond to a collection
attempt, including by disputing the debt.
* Methods by which debt collectors may
lawfully use newer communication
technologies, such as voicemails, emails
and text messages.
* Methods by which collectors
may provide required disclosures
electronically; for example, by
email or text message.
* Call frequency limits, by establishing
a clear rule limiting call attempts to no
more than seven attempts by telephone
per week and prohibiting call attempts
within seven days of a telephone
conversation.
* Out-of-statute debt collection, by
prohibiting suits and threats of suit
on time-barred debts and requiring
communication with the consumer
before credit reporting.

A TIMELINE OF THE

CFPB
's
Rulemaking
18

OCT 2013

CFPB announces plan to
issue Advance Notice
of Proposed Rulemaking
for the debt collection
industry.

NOV 2013

CFPB releases the
debt collection ANPR
consisting of
162 questions.

JAN 2014

CFPB grants industry
trade group requests
for an ANPR comment
deadline extension,
pushing it back to
February 2014.

ACAINTERNATIONAL.ORG


http://www.ACAINTERNATIONAL.ORG

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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