COLLECTOR 03.21 Industry News from ACA International THE YE AR OF T e Messaxgt ing How A CA membe Internationa l r comp approa anies a ching t re ext me under t s s a he new g CFPB r ing ule. 14 Navigating State-Level Legislation 18 How COVID-19 is Affecting Loan Defaults 34 Increasing Collections with Changing Regulations 30