Collector – January 2020 - 48

GOVERNMENT AFFAIRS

may have more complaints than companies
with fewer customers. We encourage you to
pair complaint data with public and private
data sets for additional context."
This in part addresses concerns raised by
ACA that beyond this mischaracterization,
the bureau "fails to contextualize the number
of complaints compared to the number of
contacts the debt collection industry makes
to consumers over a given year, which the
Philadelphia Federal Reserve estimates to be
well over one billion."

Overall, many of ACA's concerns have
not been fully addressed. Most notably,
ACA has urged the bureau that more
must be done to normalize the data being
released to the public beyond just broad
disclosures. For example, consumers and
others in the marketplace may improperly
look at the current number of complaints
as an appropriate indicator of performance
when, once normalized, the rate of
complaints might be quite low compared to
the number of contacts with consumers.

2020 ACA INTERNATIONAL

ACA also remains concerned that the
bureau cites much of its past flawed data
in parts of its proposed rule for the Fair
Debt Collection Practices Act. As the
bureau moves forward in any areas of
reevaluating the complaint database,
ACA will continue to work to highlight
our concerns.
Leah Dempsey is ACA International's
vice president and senior counsel of
federal advocacy.

MARCH 11-13
M RESORT
LAS VEGAS

SPRING FORUM
INNOVATION
& EXPO IN MOTION
Stay in front of technology trends within our industry.
This year's Spring Forum & Expo will focus on how
technology will impact the way we do business
while continuing to offer required courses for
ACA's compliance designations.

www.acainternational.org/events
Register Early & Save

48

ForwardTECH
Business
Intelligence
Compliance
Designations

ACAINTERNATIONAL.ORG

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

Collector – January 2020

Table of Contents for the Digital Edition of Collector – January 2020

Upfront
Industry News
Best Practices
FYI
Collection Tips
Radical Redesigns
Four State Legislative Trends to Watch
Calendar
Honor Roll
Education Spotlight
Our International Reach
Tech Times are Changing
Exceptional Programming and Speakers Pay Off
Looking Forward to Monday Morning
Contextualizing Consumer Complaints
Another Look at Written Disputes
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – January 2020 - Cover1
Collector – January 2020 - Cover2
Collector – January 2020 - 1
Collector – January 2020 - 2
Collector – January 2020 - 3
Collector – January 2020 - Upfront
Collector – January 2020 - 5
Collector – January 2020 - Industry News
Collector – January 2020 - 7
Collector – January 2020 - 8
Collector – January 2020 - 9
Collector – January 2020 - 10
Collector – January 2020 - 11
Collector – January 2020 - Best Practices
Collector – January 2020 - 13
Collector – January 2020 - FYI
Collector – January 2020 - 15
Collector – January 2020 - Collection Tips
Collector – January 2020 - 17
Collector – January 2020 - 18
Collector – January 2020 - 19
Collector – January 2020 - 20
Collector – January 2020 - 21
Collector – January 2020 - 22
Collector – January 2020 - 23
Collector – January 2020 - Radical Redesigns
Collector – January 2020 - 25
Collector – January 2020 - 26
Collector – January 2020 - 27
Collector – January 2020 - Four State Legislative Trends to Watch
Collector – January 2020 - 29
Collector – January 2020 - 30
Collector – January 2020 - 31
Collector – January 2020 - Calendar
Collector – January 2020 - Honor Roll
Collector – January 2020 - Education Spotlight
Collector – January 2020 - 35
Collector – January 2020 - Our International Reach
Collector – January 2020 - 37
Collector – January 2020 - Tech Times are Changing
Collector – January 2020 - 39
Collector – January 2020 - 40
Collector – January 2020 - 41
Collector – January 2020 - Exceptional Programming and Speakers Pay Off
Collector – January 2020 - 43
Collector – January 2020 - 44
Collector – January 2020 - Looking Forward to Monday Morning
Collector – January 2020 - Contextualizing Consumer Complaints
Collector – January 2020 - 47
Collector – January 2020 - 48
Collector – January 2020 - 49
Collector – January 2020 - Another Look at Written Disputes
Collector – January 2020 - 51
Collector – January 2020 - ACA SearchPoint
Collector – January 2020 - Ad Index
Collector – January 2020 - Membership
Collector – January 2020 - 55
Collector – January 2020 - Last Word
Collector – January 2020 - Cover3
Collector – January 2020 - Cover4
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