Collector – August 2019 - 42

GOVERNMENTAFFAIRS

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42

pass before the legislature adjourned
but the legislation is expected to be
reintroduced next year.
Idaho - The Idaho unit has been
working closely with the State
Department of Finance and other
lawmakers on a bill, SB 1007, to allow
agencies to collect incidental charges
included in a contract. The bill would
also move debt collection agency
licensing onto the NMLS and allow
a 60-day reinstatement window for
expired licenses. The legislation passed
the House but died on adjournment
while waiting for action in the
Senate. This legislation will likely be
reintroduced next year.
Illinois - A high-priority bill, HB
281, was successfully tabled last
year. The comprehensive legislation
would exempt 90% of wages from
garnishment, reduce post-judgment
interest rate from 9% to 2%, and reduce
the statute of limitations from seven to
five years. The Great Lakes Credit and
Collections Association continues to
work with a large coalition to modify
the legislation.
Maryland - The Mid Atlantic Unit
and its lobbyist worked on several
bank levy and garnishment bills,
among other issues. The unit worked
out a compromise with the Maryland
Bankers Association to support one of
these measures and testified against
several others. These issues are
expected to be back for consideration
next year.
Massachusetts - The New England
Unit is fighting a perennial "robocall"
bill while pushing an alternative
bill with a sensible carveout for the
industry. The unit is also fighting
legislation to significantly shorten the
statute of limitations and working with
the attorney general and Division of
Banks to get clarity on the scope of
competing state regulations.
Virginia - The Virginia Unit successfully
amended the overly expansive HB 2179
to license debt settlement companies,

which would have impacted traditional
collection agencies. The unit worked
closely with the legislature and the office
of the attorney general on solutions.
The legislation eventually died upon
adjournment.
* Washington - The Washington
Collectors Association has been busy
fighting and supporting legislation this
year. HB 1602, which was signed by Gov.
Jay Inslee and took effect in July, would
have initially changed garnishment
exemptions to 50 times the highest
minimum wage in the state or 85% of
disposable earnings. The unit worked
on a compromise of 35 times the state
minimum wage or 80% of disposable
earning. The unit also successfully
amended the legislation for the better

on new bank exemptions and postjudgment interest for consumer debt.
In addition to the legislative work being
done by our state units, ACA continues
to work closely with several national
associations of state regulators, including
the North American Collection Agency
Regulatory Association, the Conference of
State Bank Supervisors and three national
state attorneys general associations. ACA
uses these groups to build relationships
and educate policymakers on the pressing
issues facing our industry at both the
state and federal levels. These efforts
complement the work of our units and our
federal team.
Andrew Madden is ACA International's vice
president of government and state affairs.

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Collector magazine invites credit and collection professionals of
all levels into a community of experts who share their hard-won
experience through in-depth process and data-driven articles.
Send your article pitch or summary
to Anne Rosso May at either
» rosso@acainternational.org or
» Anne Rosso May
Collector Magazine
4040 West 70th Street
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Collector – August 2019

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

President’s Page
Industry News
Best Practices
FYI
Collection Tips
How a background in making people laugh has helped Roger Weiss, ACA’s new president, educate and engage an industry.
No Good Option
“You’ve got to be a compliance cheerleader for the organization, and that takes a lot of energy.”
Protecting Health Care Data
Calendar
Honor Roll
Education Spotlight
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – August 2019 - Cover1
Collector – August 2019 - Cover2
Collector – August 2019 - 1
Collector – August 2019 - 2
Collector – August 2019 - 3
Collector – August 2019 - 4
Collector – August 2019 - President’s Page
Collector – August 2019 - Industry News
Collector – August 2019 - 7
Collector – August 2019 - 8
Collector – August 2019 - 9
Collector – August 2019 - Best Practices
Collector – August 2019 - 11
Collector – August 2019 - FYI
Collector – August 2019 - 13
Collector – August 2019 - Collection Tips
Collector – August 2019 - 15
Collector – August 2019 - How a background in making people laugh has helped Roger Weiss, ACA’s new president, educate and engage an industry.
Collector – August 2019 - 17
Collector – August 2019 - 18
Collector – August 2019 - 19
Collector – August 2019 - 20
Collector – August 2019 - 21
Collector – August 2019 - 22
Collector – August 2019 - 23
Collector – August 2019 - No Good Option
Collector – August 2019 - 25
Collector – August 2019 - 26
Collector – August 2019 - “You’ve got to be a compliance cheerleader for the organization, and that takes a lot of energy.”
Collector – August 2019 - 28
Collector – August 2019 - 29
Collector – August 2019 - Protecting Health Care Data
Collector – August 2019 - 31
Collector – August 2019 - 32
Collector – August 2019 - 33
Collector – August 2019 - Calendar
Collector – August 2019 - Honor Roll
Collector – August 2019 - Education Spotlight
Collector – August 2019 - 37
Collector – August 2019 - 38
Collector – August 2019 - 39
Collector – August 2019 - 40
Collector – August 2019 - 41
Collector – August 2019 - 42
Collector – August 2019 - 43
Collector – August 2019 - 44
Collector – August 2019 - 45
Collector – August 2019 - 46
Collector – August 2019 - 47
Collector – August 2019 - ACA SearchPoint
Collector – August 2019 - Ad Index
Collector – August 2019 - Membership
Collector – August 2019 - 51
Collector – August 2019 - Last Word
Collector – August 2019 - Cover3
Collector – August 2019 - Cover4
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