Collector – November 2019 - 44

ACANEWS

A Resource Every Member Needs
ACA's newest version of the FDCPA Compliance Guide is here! Check out
this excerpt to get a feel for how it can help bolster your compliance efforts.

H

ere's some exciting news:
ACA International recently
released the latest edition of
ACA International's Guide to the Fair
Debt Collection Practices Act. The new
guide is chock-full of must-know industry
information and is available in both
digital and print-on-demand versions.
The updated guide features detailed
analysis of all of the latest FDCPA
court decisions, including recent
appellate and Supreme Court decisions,
making it a must for every member's
compliance department.
The new guide also offers detailed
information and analysis on the Consumer
Financial Protection Bureau's proposed
rule for the debt collection industry. While
the rule is currently only a proposal and
not legally binding, members who want to
stay ahead of the curve can use the guide
to learn about these proposals now and
begin considering the potential impact on
compliance policies and practices.
What follows is an excerpt from the
guide (footnotes omitted), providing new
analysis on social networking in light of
information in the CFPB's proposed rule.

CHAPTER 6: METHODS OF
COMMUNICATION AND
TECHNOLOGY
When the FDCPA was enacted in
1977, today's forms of electronic
communication such as voicemail,
fax, internet, email, social networking
websites, caller identification systems
and mobile phones were either under
development or non-existent. Therefore,
the FDCPA does not directly address how
to use these means of communication in
compliance with the Act.
6.6 Social Networking Sites
Social networking sites such as
Facebook and LinkedIn have become

44

increasingly popular and many debt
collectors have considered using such sites
as a way of locating and communicating
with consumers.
One important point to consider
is that, so long as the debt collector's
use of the social networking site is
passive and does not involve any actual
communications with the consumer,
FDCPA liability is likely decreased. For
instance, if a consumer publicly displays
contact information on a Facebook
profile, it is 'fair game' for review or use
by the debt collector-it is no different
from obtaining it from any other source
of public information.
Collectors may run into problems if
they attempt to communicate directly
with consumers. If a debt collector
sent a "friend request" to a consumer,
the request could be considered a
"communication" under § 803(2) of
the FDCPA. Any message from a debt
collector would need to comply with
the disclosure requirements under §§
806(6) and 807(11) of the FDCPA and
could potentially trigger the validation
requirements under § 809. Any use of
deception to gain access to a consumer's
private profile information would likely
be treated by the courts as a deceptive act
or practice under the FDCPA.
On May 7, 2019, the CFPB issued
its Notice of Proposed Rule Making
(NPRM) for debt collection. While the
proposed rule does not expressly ban
the use of social media, it does provide
guidelines as to the unacceptable uses
of social media. The proposed rule
states it is unfair to, "[c]ommunicate or
attempt to communicate with a consumer
in connection with the collection of a
debt by a social media platform that
is viewable by a person other than
the persons described in § 1006.6(d)

(1)(i) through (vi)."[1] The proposed
rule does not prohibit a debt collector
from communicating or attempting
to communicate with a consumer in
connection with the collection of a
debt by sending a private message to
the consumer, including by sending
a limited-content message, although
§§1006.6(b) or 1006.14(h) nonetheless
may prohibit the debt collector from
sending such a private message if, for
example, the consumer has requested that
the debt collector not use that medium to
communicate with the consumer.[2]
To purchase your copy of ACA's Guide to the
Fair Debt Collection Practices Act, members
can visit www.acainternational.org/shop.

ACAINTERNATIONAL.ORG


http://www.acainternational.org/shop http://www.ACAINTERNATIONAL.ORG

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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