Collector – July 2019 - 31

THE TURNING POINT
By 1970, ACA was spending a larger
percentage of its total income on national
and state legislative work than on any other
single function. That came in handy in 1975
when Rep. Frank Annunzio introduced a
version of what would become the Fair Debt
Collection Practices Act, the first piece of
federal legislation directly targeting the
accounts receivable management industry.
It was a divisive bill, especially in its early
stages, and ACA members debated whether
to support or oppose it.
Phil Rosenthal, IFCCE, MCE, CEO of
Nationwide Credit Corp. (and 1999/2000
ACA president), was involved in those
internal discussions and testified before
Congress at FDCPA-related hearings in the
1970s and 1990s.
At ACA's 1976 convention, association
leaders called for a final debate to determine
where ACA stood on the proposed law. "It
was a very emotional meeting," Rosenthal
recalled. "There were people who felt this law
was the greatest thing since peanut butter,
and people who felt it would be the end of
the industry. The vote was very close, but
those who favored supporting the bill won."
1977/78 ACA President Michael
Goldberg, whose agency was based in
Washington, D.C., became one of ACA's
go-betweens (including Rosenthal) while
Annunzio and his staff worked with industry
representatives. Ultimately, they made more
than 100 changes to the proposed legislation
to clean up language that would have
been incredibly damaging to the accounts
receivable management industry, forming a
bill both sides could agree with.
"We negotiated back and forth on the
bill and there was a lot of bickering,"
Goldberg told Collector magazine in 1997.
"Toward the end, we were able to agree on
most things about the bill. Compared to
the first bill proposed, it was a 180-degree
difference. The first one would have put the
industry out of business."

COLLECTOR 07.19

Getting the FDCPA in its final form
wasn't easy, and it took a lot of grassroots
advocating from our members to help
legislators better understand our industry.
1991/92 ACA President Linda Russell
recalled in a 1997 Collector magazine
article: "I was sent to Washington, D.C.,
to lobby for changes, and met with an
aide of a member of Congress who told
me, 'You understand that we represent
consumers and that we can't deal with debt
collectors.' So I got out my appointment
book and said, 'Let's see who has helped
more individual consumers over the past
month.' He told me to sit down and tell
him more. The point was made that we
weren't brutalizing people."
The passage of the FDCPA marked a
turning point for the association, engaging
members in political advocacy in a whole
new way. From that point forward, ACA
remained a leader in advocating for the

Charting the
changes in
the regulatory
landscape.

accounts receivable management industry at
both the state and federal level.

SHOW ME THE MONEY
ACA's efforts to proactively advance
industry interests in the judicial, federal
regulatory, and state legislative and
regulatory arenas have been supported
through a few vehicles that have evolved
over time.
In 1976, ACA formed its political
action committee, ACPAC (then known
as SAMPAC), which gives ACA members
a stronger voice in the legislative process
by financially supporting candidates
whose public policies positively impact the
accounts receivable management industry.
All contributions are voluntary and ACPAC's
support is bipartisan.
"Individual political contributions from
any one of us may not be effective," said
Richard Horn, chairman of the SAMPAC
Steering Committee in 1976 Collector
magazine article. "But through ACA's newly
formed SAMPAC, we have the vehicle to
accumulate and disburse dollars in the
manner most effective in insuring a future
for the collection business."
In 1992, ACA established the Government
Education Trust, which solicited member
donations to help retain a lobbyist in D.C.,
fund government officials' visits to ACA's
meetings and advance the association's
national legislative agenda. For example,
GET funds helped fuel the association's
success in achieving modifications to
HIPAA's Privacy Rule.
In 2003, ACA retired GET to focus on
its new Legal and State Action Funds.
Ultimately, these were consolidated into
the Industry Advancement Program,
which launched in 2014 to support
members' efforts to combat the rising tide
of frivolous litigation. IAP is funded by
member dues and has helped secure close
to 50 industry-favorable court decisions
for ACA members.

31



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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