Collector – July 2019 - 4

COLLECTOR

®

UPFRONT

CHIEF EXECUTIVE OFFICER
Mark Neeb
MANAGING EDITOR
Anne Rosso May

Shaping Our Future
ACA's longstanding commitment to advocacy continues to help protect member
interests.
By Mark Neeb

F

or the last six years, ever since the Consumer Financial Protection Bureau released its
Advance Notice of Proposed Rulemaking for the debt collection industry, I've wanted a
crystal ball that would tell me the future. Now that the proposed rule has been released,
we're living in that future. We know that ACA's diligent efforts to help the CFPB understand
what you do and how you do it have not been in vain. This continues a long, proud legacy of our
state and federal advocacy work, which I encourage you to read all about on p. 30.
I hope you've had a chance to attend the webinars ACA has hosted since May 7 on how the
proposed rule could impact your agency. At ACA's Annual Convention & Expo in San Diego
this month, you can be sure that many of our
presenters and instructors will be discussing
the proposed rule with attendees. It's not
too late to register! Just hop over to www.
acainternational.org/events/convention2019 to
secure your spot.
As you read through the proposed rule,
we urge you to submit your feedback directly
to the CFPB during the allotted comment
period, which runs through Aug. 19. (There is
a link to the CFPB's comment portal on p. 20
of this issue.)
We will eventually know the effective date
of the rule and you will have time to prepare
for any changes in your processes and procedures. ACA will keep you up-to-date on when
that will be and how we can help.
Many of you have been engaged as volunteers throughout this yearslong process and will
continue to do so. Thanks so much for your contributions. We are a member-driven organization
that requires both members and staff in order to succeed.
But back to today. It's vital that we, as members of ACA, continue to work together for the
betterment of our industry and embrace the change that has been brought upon us. The clarity
we've been seeking for years is now here and like any other form of change, it will take a bit of
getting used to. One thing is for certain: The industry will be better for it, our companies will be
better for it and our interactions with consumers will be better for it.

"ACA's diligent efforts
to help the CFPB
understand what you
do and how you do it
have not been in vain."

DESIGN FIRM
The YGS Group
COMMUNICATIONS SPECIALIST
Katy Zillmer
Collector is published monthly
by ACA International.
4040 W. 70th St.,
Minneapolis, MN 55435
Telephone: (952) 926-6547
Web: www.acainternational.org
Email: comm@acainternational.org
Twitter: @acacollector
Annual subscription rates: $35 for ACA
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copies: $3.25 for ACA members, $6.50
for nonmembers.
Collector welcomes article submissions.
However, we cannot guarantee publication
of the articles we receive. Collector editors
reserve the right to edit submissions.
For advertising information, please
contact Leonard Media Group at (215) 6759208, ext. 201; info@leonardmedia.com; or
www.acainternational.org/about/advertising
-information. Advertisement of products or
services in Collector does not constitute an
endorsement by ACA.
Information contained in Collector is not
intended to be legal advice and may not
be used as legal advice. Every effort has
been made to ensure this information is
up-to-date at the time of publication. It is
not intended to be a full and exhaustive
explanation of the law, nor should it be
used to replace the advice of your counsel.

Mark Neeb

is ACA International's CEO. He can be
reached at neeb@acainternational.org.

4

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may not be reproduced without written permission.


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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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