Collector – November 2019 - 12

FYI

TECHNOLOGY

PRIVACY

CONSUMERS CLAMP DOWN ON PERSONAL DATA
A recent survey of 1,100 U.S. consumers revealed they are less likely to share
personal information on a website in 2019 than they were in a previous study
conducted a year ago.

69%

63%

61%

68%

Of the phishing emails
blocked by Gmail today are
new variations that were
never seen before.

54%
41%

33%

Source: Google

41%
31%

Source: Google

OVERHEARD

Willing to Share
Willing to Share
First and Last Name Email Address
Source: Advertising Research Foundation

Willing to Share Willing to Share
Name of Spouse Home Address

2018

2019

CREDIT

PRIVATE LABEL DELINQUENCY RATES TREND UP
Credit cards represent the largest consumer lending market in the U.S., and total
outstanding balances, delinquencies and charge-off rates continue to rise at
nominal rates, according to the CFPB Consumer Credit Market Report for 2017/18.
Before and during the Great Recession, general purpose card accounts
became delinquent much more often than private label card accounts (i.e.
store-branded cards). By 2018, however, the delinquency rates for both types
of cards had converged, and private label card delinquency rates are higher
than they were at any point during the recession. The CFPB suggested that
this convergence was the result of private label card issuers offering cards to
consumers with lower credit scores.

SHARE OF ACCOUNTS 60 OR MORE DAYS DELINQUENT
2.5%
2.0%
1.5%
1.0%
0.5%
0%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
General purpose

Private label
Source: CFPB

12

"We always say, 'Have
policies and procedures
in place,' and a lot of
agencies do, but it's
important in West Virginia
not just [for general]
collection law, [but to]
specifically address
complying with West
Virginia statutes and
West Virginia laws. When
plaintiff's counsel start
discovery they ask very
often about policies and
procedures that an agency
has in place so that they
don't violate West Virginia
law specifically."
- Jeff Turner, partner
at the law firm of
Surdyk, Dowd &
Turner, discussing
the West Virginia
Consumer and Credit
Protection Act on
a recent episode of
ACA Cast. Listen and subscribe to ACA's
podcast atACAINTERNATIONAL.ORG
acainternational.org/acacast.


http://www.acainternational.org/acacast

Collector – November 2019

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

Upfront
Industry News
Best Practices
FYI
Collection Tips
Do Your Policies Measure Up?
The Life-Changing Magic of Tidying Up Your Call Evaluations
The (Slow) Race to Clarify the TCPA
Honor Roll
Calendar
Education Spotlight
ACA’s LevelUp Leadership Experience
Lead the Next Generation Through Mentorship
Texas Tackles the TCPA
Never Give Up
A Resource Every Member Needs
Rising to the Top
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – November 2019 - Cover1
Collector – November 2019 - Cover2
Collector – November 2019 - 1
Collector – November 2019 - 2
Collector – November 2019 - 3
Collector – November 2019 - Upfront
Collector – November 2019 - 5
Collector – November 2019 - Industry News
Collector – November 2019 - 7
Collector – November 2019 - 8
Collector – November 2019 - 9
Collector – November 2019 - Best Practices
Collector – November 2019 - 11
Collector – November 2019 - FYI
Collector – November 2019 - 13
Collector – November 2019 - Collection Tips
Collector – November 2019 - 15
Collector – November 2019 - Do Your Policies Measure Up?
Collector – November 2019 - 17
Collector – November 2019 - 18
Collector – November 2019 - 19
Collector – November 2019 - The Life-Changing Magic of Tidying Up Your Call Evaluations
Collector – November 2019 - 21
Collector – November 2019 - 22
Collector – November 2019 - 23
Collector – November 2019 - The (Slow) Race to Clarify the TCPA
Collector – November 2019 - 25
Collector – November 2019 - 26
Collector – November 2019 - 27
Collector – November 2019 - 28
Collector – November 2019 - 29
Collector – November 2019 - 30
Collector – November 2019 - Honor Roll
Collector – November 2019 - Calendar
Collector – November 2019 - 33
Collector – November 2019 - Education Spotlight
Collector – November 2019 - 35
Collector – November 2019 - ACA’s LevelUp Leadership Experience
Collector – November 2019 - 37
Collector – November 2019 - Lead the Next Generation Through Mentorship
Collector – November 2019 - 39
Collector – November 2019 - Texas Tackles the TCPA
Collector – November 2019 - 41
Collector – November 2019 - Never Give Up
Collector – November 2019 - 43
Collector – November 2019 - A Resource Every Member Needs
Collector – November 2019 - 45
Collector – November 2019 - Rising to the Top
Collector – November 2019 - 47
Collector – November 2019 - ACA SearchPoint
Collector – November 2019 - Ad Index
Collector – November 2019 - Membership
Collector – November 2019 - 51
Collector – November 2019 - Last Word
Collector – November 2019 - Cover3
Collector – November 2019 - Cover4
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