Collector – July 2019 - 30

A History of Advocacy
ACA connects with legislators.

President Jimmy Carter signs the FDCPA in the White House Rose
Garden on Sept. 20, 1977. Representing ACA were Joseph M. Garber
and Michael Goldberg.

A

CA International works tirelessly to
ensure legislators hear from us when
considering rules and regulations
that might impact member businesses. The
list of laws we've helped shape and provided
input on is long-getting longer every day-
and includes the Fair Credit Reporting Act
in 1970, Fair Debt Collection Practices Act
in 1977, Telephone Consumer Protection Act
in 1991, Health Insurance Portability and
Accountability Act in 1996, Gramm-LeachBliley Act in 1999, CFPB's proposed industry
rulemaking in 2019 and many more.
ACA's proud history of legislative advocacy
stretches back to its early days, though the
depth and strength of our activity built
gradually over time.
In the 1940s and 1950s, ACA followed
federal and state bills that could impact
the accounts receivable management
industry. The association didn't have a
dedicated government affairs point-person
or attorney on staff, instead depending on
the U.S. Chamber of Commerce to keep it
apprised of federal legislative developments.
When specific issues arose, ACA staff and
members called on personal acquaintances in
Washington for advice and guidance.
For many years, things were quiet.
Then in the 1960s, two events happened

30

that altered the course of the association's
advocacy efforts.
First, the Federal Trade Commission
contacted more than 200 ACA members
during an inquiry into debt collection
practices. ACA members submitted
samples of their forms, collection
letters and advertising materials to the
commission for review.
When ACA learned of the investigation,
it immediately retained counsel in
Washington, D.C. Although ACA dealt
cooperatively with the FTC (whose
inquires ultimately helped shape its Guides
Against Debt Collection Deception,
published in 1967), association leaders
realized they would need to keep more
careful vigil in Washington, D.C., and
urged units and individual members to
establish relationships with their state and
federal representatives.
Then in 1967, the U.S. House and Senate
began the process of passing a truthin-lending bill, which required lenders
to disclose the service charge rates on
revolving, open and installment credit plans.
The bill covered much more than truthin-lending and contained provisions that
would negatively impact ACA members'
businesses, in part by abolishing wage and

salary garnishment. Suddenly, ACA was
thrust into the national arena, and it got to
work advocating for the industry, explaining
the impact this bill would have on member
businesses and the economy as a whole.
After mark-up in a House-Senate
conference committee, the bill emerged
with more reasonable garnishment
provisions and ultimately resulted in the
Consumer Credit Protection Act, which
was later amended to include the Fair
Credit Reporting Act in 1970 and the Fair
Debt Collection Practices Act in 1977.
This was the spark that lit a fire in the
association. That year at ACA's convention,
our board of directors voted to hire a
lobbyist in Washington, D.C., and a fulltime government relations department
manager in ACA's Minneapolis office.
In 1969, ACA put together a National
Legislative Council and held its first National
Legislative Conference (now known as ACA's
Washington Insights Fly-In).
"Each month we grew a little wiser,"
wrote 1975/76 ACA President O.J. LeBaron
in Collector magazine. "Our lobbyist was
learning our industry; we were learning
how to approach legislators, and more
importantly, they were learning about our
industry and association."

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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