Collector - July/Aug 2021 - 42

PERSPECTIVES
Compliance
Wrapping Your Head Around Hunstein
What does it mean and where is it going?
By Katy Zillmer
Following the April 21 decision in Hunstein
v. Preferred Collection and Management
Services Inc., ACA International's staff and
the Judicial Committee have been working
hard to respond to the case and provide
support through the Industry Advancement
Fund (IAF).
ACA's short primer (http://bit.ly/Hunstein
Primer) explains what the opinion said and
why it might matter to your business.
In a nutshell, the Hunstein opinion was
in response to the use of a letter vendor
by a collection agency. Th e U.S. Court of
Appeals for the 11th Circuit concluded that
the agency's transmission of information
to its letter vendor was a communication
prohibited by Section 805 of the Fair Debt
Collection Practices Act.
With Hunstein copycat cases cropping up
at an alarming rate and variations on the
theme emerging in state and federal courts,
every agency must understand how to competently
handle a Hunstein copycat case.
Th e number of cases fi led from April 21
to June 15 exceeded 200, with many of
those being class-actions limited to specifi c
states. More than 75 of these copycat
cases were fi led in federal district courts
in the 11th Circuit (Florida, Alabama and
Georgia) and more than 60 were fi led in
the Eastern District of New York.
Read some guidance on these copycat
cases here: http://bit.ly/HunsteinCopycat.
If your agency needs fi nancial support to
fi ght a claim, when the time comes you can
reach out to ACA's IAF for fi nancial support
by emailing IAF@acainternational.org.
On the advocacy side, ACA has discussed
the implications of the Hunstein ruling with
regulators and consumer groups. ACA is
also working with a broad coalition of other
industries impacted by the ruling to educate
Congress and policymakers about the problems
associated with the decision.
Katy Zillmer is ACA International's
communications manager.
42
acainternational.org
http://www.bit.ly/HunsteinPrimer http://www.bit.ly/HunsteinPrimer http://www.bit.ly/HunsteinCopycat http://www.acainternational.org

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