Collector – November 2019 - 48

ACA Has Answers to Your CFPB Rulemaking Questions
A new ACA SearchPoint document explores call frequency, prior consent
and more under the CFPB's proposed rule for debt collection.

S

ince the release of the Consumer
Financial Protection Bureau's
proposed rule for the debt collection
industry, ACA International members
have been buzzing with questions. ACA's
Compliance Department has delved deeply
into the proposed rule and the CFPB's
associated commentary to find the answers
you need. Though this is only a proposed
rule and is not binding, the CFPB has
signaled its interest in a number of issues and
debt collectors should take note.
As an aid to members, we have addressed
some of the most frequently asked questions
on the proposed rule in a newly created ACA
SearchPoint document. This members-only
resource provides information regarding
key features of the CFPB's proposed rule,
including the application of the proposed
rule, the use of social media, prior consent,
limited-content messages, telephone calls
and frequency limits, deceased consumers,
validation notices and disputes, and record
retention. Here is an example of the questions
addressed in this new document.

The proposed rule states: (2) Frequency
limits. Subject to paragraph (b)(3) of this
section, a debt collector violates paragraphs
(b)(1)(i) and (ii) of this section, as applicable,
by placing a telephone call to a particular
person in connection with the collection of
a particular debt either: (i) More than seven
times within seven consecutive days; or (ii)
Within a period of seven consecutive days
after having had a telephone conversation with
the person in connection with the collection
of such debt. The date of the telephone
conversation is the first day of the sevenconsecutive-day period [emphasis added].
The proposed comments provide the
following example: On Wednesday, March 1,
a debt collector first attempts to communicate
with a consumer in connection with the
collection of a debt by placing a telephone
call and leaving a limited-content message on
the consumer's voicemail. Between Thursday
and Sunday, the debt collector places six

more telephone calls to the consumer, all
of which go unanswered. As of Sunday, the
debt collector has placed seven telephone
calls to the consumer in connection with
the collection of the credit card debt within
the period of seven consecutive days that
started on Wednesday, March 1. Subject to
§ 1006.14(b)(3), the debt collector may
place another telephone call to the
consumer in connection with collection of
the debt on Wednesday, March 8 but not
before that date.
To learn more, visit the Compliance page
of ACA's website and search for SearchPoint
document #1125, FAQs About the Notice of
Proposed Rulemaking (Proposed Rule) Set
Forth by the CFPB.
ACA SearchPoint is filled with documents
that put important compliance information
related to the FDCPA, FCRA, TCPA,
state laws and many other topics at your

QUESTION: Regarding the proposed rule's
call frequency provision and what constitutes
a call: Does it equal an attempt or a successful
contact or voicemail?
ANSWER: Based on the definitions and
commentary in the proposed rule, the section
limiting call attempts to seven calls in seven
consecutive days would include any call
attempt or a call where a limited-content
message is left on voicemail. If you actually
reached the consumer and communicated
about the debt, you would need to wait
seven consecutive days before calling the
consumer again (starting with the date of the
communication with the consumer).

48

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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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