Collector - July 2020 - 4

COLLECTOR

®

UPFRONT

CHIEF EXECUTIVE OFFICER
Mark Neeb

Reflections on the Shutdown
We know how much we benefit consumers and the U.S. financial ecosystem,
but lately we've had to shout it louder than ever.
By Mark Neeb

B

y the time you read this, I hope we are on a solid path to whatever the new normal is
going to look like. Workers working from home on a regular basis? Workers reporting
to the office and having to go through a battery of tests just to get in the door? Social
distancing within the workplace? Strategies that don't even exist yet? We've been tested like
never before in the past few months, as members and as an association. Yet here we are, stronger
than ever. Why? Because we stuck together and didn't for a second consider defeat.
In unprecedented fashion, members of state and federal government as well as the media have
hammered us with false narratives and proposed laws that would have done consumers more
harm than good. And what did we do? We
fought back, stood our ground and turned back
a lot of it. Why? Because that's what we do.
That's what we've always done and we always
will. It's not easy being the convenient, financial
services scapegoat. We know how much we
benefit consumers, our creditors' bottom lines
and the financial ecosystem of America.
But defending ourselves doesn't come
without a cost. You've participated in the
Industry Advancement Program for several
years now, and the return on investment
continues to impress. Fighting back lawsuits
and bringing one of our own once in a while
has worked. The victories have been cited in
thousands of other cases and will continue to be part of the conversation. We've seen firsthand
how expensive temporarily being out of business can really be, which makes the IAP seem like a
huge bargain. Thanks for having the foresight to continue funding this effort. It matters!
We also must continue our work in the state legislatures and on Capitol Hill, educating our
elected officials and helping them realize the value we provide to so many different stakeholders.
And that, my friends, takes resources too-resources that are not as abundant as we need them to
be. Time, talent and treasure are all needed to keep us on a path of continued success so when you
have the opportunity to help, please do so. And don't forget, "Together, we've got this!"

"We've been tested
like never before in the
past few months, as
members and as an
association. Yet here we
are, stronger than ever."

MANAGING EDITOR
Anne Rosso May
DESIGN FIRM
The YGS Group
COMMUNICATIONS SPECIALIST
Katy Zillmer
Collector is published monthly
by ACA International.
4040 W. 70th St.,
Minneapolis, MN 55435
Telephone: (952) 926-6547
Web: www.acainternational.org
Email: comm@acainternational.org
Twitter: @acacollector
Annual subscription rates: $35 for ACA
members, $70 for nonmembers. Single
copies: $3.25 for ACA members, $6.50
for nonmembers.
Collector welcomes article submissions.
We cannot guarantee publication of
the articles we receive. Collector editors
reserve the right to edit submissions.
For advertising information, please contact
tima.good@theygsgroup.com. Advertisement
of products or services in Collector does not
constitute an endorsement by ACA.
Information contained in Collector is not
intended to be legal advice and may not be
used as legal advice. Every effort has been
made to ensure this information is up-to-date
at the time of publication. It is not intended
to be a full and exhaustive explanation of the
law, nor should it be used to replace the advice
of your counsel. The views and/or opinions
expressed in content provided by third-parties
are solely those of the third-party and do
not necessarily reflect the opinions of ACA,
and inclusion of such third-party materials
does not constitute an endorsement by ACA.
Review our legal disclaimer in full: www.
acainternational.org/about/legal-disclaimer.

Mark Neeb

is ACA International's CEO. He can be
reached at neeb@acainternational.org.

4

©2020 ACA International. All rights reserved. Materials
ACAINTERNATIONAL.ORG
may not be reproduced without written permission.


http://www.acainternational.org http://www.acainternational.org/about/legal-disclaimer http://www.ACAINTERNATIONAL.ORG

Collector - July 2020

Table of Contents for the Digital Edition of Collector - July 2020

Collector - July 2020 - Cover1
Collector - July 2020 - Cover2
Collector - July 2020 - 1
Collector - July 2020 - 2
Collector - July 2020 - 3
Collector - July 2020 - 4
Collector - July 2020 - 5
Collector - July 2020 - 6
Collector - July 2020 - 7
Collector - July 2020 - 8
Collector - July 2020 - 9
Collector - July 2020 - 10
Collector - July 2020 - 11
Collector - July 2020 - 12
Collector - July 2020 - 13
Collector - July 2020 - 14
Collector - July 2020 - 15
Collector - July 2020 - 16
Collector - July 2020 - 17
Collector - July 2020 - 18
Collector - July 2020 - 19
Collector - July 2020 - 20
Collector - July 2020 - 21
Collector - July 2020 - 22
Collector - July 2020 - 23
Collector - July 2020 - 24
Collector - July 2020 - 25
Collector - July 2020 - 26
Collector - July 2020 - 27
Collector - July 2020 - 28
Collector - July 2020 - 29
Collector - July 2020 - 30
Collector - July 2020 - 31
Collector - July 2020 - 32
Collector - July 2020 - 33
Collector - July 2020 - 34
Collector - July 2020 - 35
Collector - July 2020 - 36
Collector - July 2020 - 37
Collector - July 2020 - 38
Collector - July 2020 - 39
Collector - July 2020 - 40
Collector - July 2020 - 41
Collector - July 2020 - 42
Collector - July 2020 - 43
Collector - July 2020 - 44
Collector - July 2020 - 45
Collector - July 2020 - 46
Collector - July 2020 - 47
Collector - July 2020 - 48
Collector - July 2020 - Cover3
Collector - July 2020 - Cover4
http://online.collector.com/collectormagazine/202007
http://online.collector.com/collectormagazine/202006
http://online.collector.com/collectormagazine/202005
http://online.collector.com/collectormagazine/202004
http://online.collector.com/collectormagazine/202003
http://online.collector.com/collectormagazine/202002
http://online.collector.com/collectormagazine/202001
http://online.collector.com/collectormagazine/201912
http://online.collector.com/collectormagazine/201911
http://online.collector.com/collectormagazine/201910/
http://online.collector.com/collectormagazine/201909/
http://online.collector.com/collectormagazine/201908/
http://online.collector.com/collectormagazine/201907/
http://online.collector.com/collectormagazine/201906/
http://online.collector.com/collectormagazine/201905/
http://online.collector.com/collectormagazine/201904/
http://online.collector.com/collectormagazine/201903/
http://online.collector.com/collectormagazine/201902/
http://online.collector.com/collectormagazine/201901/
http://online.collector.com/collectormagazine/201812/
http://online.collector.com/collectormagazine/201811/
http://online.collector.com/collectormagazine/201810/
http://online.collector.com/collectormagazine/201809/
http://online.collector.com/collectormagazine/201808/
http://online.collector.com/collectormagazine/201807/
http://online.collector.com/collectormagazine/201806/
http://online.collector.com/collectormagazine/201805/
http://online.collector.com/collectormagazine/201804/
http://online.collector.com/collectormagazine/201803/
http://online.collector.com/collectormagazine/201802/
http://online.collector.com/collectormagazine/201801/
http://online.collector.com/collectormagazine/201712/
http://online.collector.com/collectormagazine/201711/
http://online.collector.com/collectormagazine/201710/
http://online.collector.com/collectormagazine/201709/
http://online.collector.com/collectormagazine/201708/
http://online.collector.com/collectormagazine/201707/
http://online.collector.com/collectormagazine/201706/
http://online.collector.com/collectormagazine/201705/
http://online.collector.com/collectormagazine/201704/
http://online.collector.com/collectormagazine/201703/
http://online.collector.com/collectormagazine/201702/
http://online.collector.com/collectormagazine/201701/
http://online.collector.com/collectormagazine/201612/
http://online.collector.com/collectormagazine/201611/
http://online.collector.com/collectormagazine/201610/
http://online.collector.com/collectormagazine/201609/
http://online.collector.com/collectormagazine/201608/
http://online.collector.com/collectormagazine/201607/
http://online.collector.com/collectormagazine/201606/
http://online.collector.com/collectormagazine/201605/
http://online.collector.com/collectormagazine/201604/
http://online.collector.com/collectormagazine/201603/
http://online.collector.com/collectormagazine/201602/
http://online.collector.com/collectormagazine/201601/
http://online.collector.com/collectormagazine/201512/
http://online.collector.com/collectormagazine/201511/
http://online.collector.com/collectormagazine/201510/
http://online.collector.com/collectormagazine/201509/
http://online.collector.com/collectormagazine/201508/
http://online.collector.com/collectormagazine/201507/
https://www.nxtbookmedia.com