ACA How - Safeguards Rule What?

ACA How - Safeguards Rule What?

Recordings

Member: $0.00
Non-Member: $100.00Your price

Published: 10/4/2022

  • During this session, TPx and ACA will distill the Safeguards rule of GLBA to simple terms and answer what an organization needs to do and by when.

ACA How Series - Owning Your Security Program

ACA How Series - Owning Your Security Program

Recordings

Member: $0.00
Non-Member: $100.00Your price

Published: 10/6/2022

At a high level, every ACA member needs an overarching security program that is documented and governed. TPx will cover how to enable a security program that is compliant with the GLBA Safeguards rule and will detail the requirements of the security program and how to govern it. 

ACA International's Guide to the Fair Debt Collection Practices Act

ACA International's Guide to the Fair Debt Collection Practices Act

Compliance Guides

Member: $165.00
Non-Member: $330.00Your price

ACA International's Guide to the Fair Debt Collection Practices Act

ACA International's Guide to the Fair Debt Collection Practices Act comes as a pdf providing a detailed and comprehensive overview of the provisions of the Fair Debt Collection Practices Act (FDCPA) and its implementing regulations, as well as issues that arise under these laws.


With the 2022 edition, this Guide incorporates new case law as well as the provisions of the final “Debt Collection Rule” (Regulation F or, colloquially, “Reg F”), the federal regulation that implements the FDCPA. The Consumer Financial Protection Bureau (CFPB) issued wide-ranging substantive amendments to Reg F in two parts on October 30, 2020, and December 18, 2020. The complete final rule took effect on November 30, 2021. It has been codified at 12 C.F.R. Part 1006.


This Guide additionally includes the complete statutory text of the FDCPA and Reg F, as well as a jurisdictional map of United States Circuit Courts of Appeals.

ACA's CFPB Spotlight for Creditors - Impacts of Reg. F

ACA's CFPB Spotlight for Creditors - Impacts of Reg. F

Recordings

Published: 4/26/2021

Regulations governing the official interpretation of the FDCPA will be come effective on November 30, 2021. These rules will impact any financial services entity that touches debt collection, regardless of whether you are a third-party debt collector or creditor. Join our distinguished panel of experts as they discuss why creditors must pay special attention to the requirements to the rules, what to expect from their vendors who are required to comply with the rules, and what creditors need to be doing now to prepare for the November 2021 implementation date.

Speakers:

  • Leslie BenderSenior Counsel, Clark Hill PLC

  • Mark LaurentVice President of Portfolio Services, Hilton Grand Vacation

  • Joann NeedlemanMember, Clark Hill PLC

ACA's CFPB Spotlight for Creditors Cont. Everything You Need to Know about Document

ACA's CFPB Spotlight for Creditors Cont. Everything You Need to Know about Document

Recordings

Published: 8/25/2021

As creditors and their ARM business and service providers prepare for the Reg F effective date of November 30, 2021, interesting questions arise about the documentation and retention requirements and standards those new federal regulations impose. It will be critical for Reg F compliance to assure that documentation that evidences your compliance (and potentially non-compliance) is developed and preserved for three or more years. So now is a great time for creditors to map out any expectations they have for documentation collection agencies should prepare and any retention requirements for documentation and other artifacts of compliance (e.g., call recordings). This webinar designed for the creditor perspective explores the Reg F documentation and retention expectations and offers practical guidance for navigating those requirements.

Speakers:

  • Leslie BenderSenior Counsel, Clark Hill PLC

  • John BedardOwner, Bedard Law Group, P.C.

ACA's CFPB Spotlight for Creditors: Fair Lending Principles for Debt Collection

ACA's CFPB Spotlight for Creditors: Fair Lending Principles for Debt Collection

Recordings

Published: 8/9/2021

2021 has seen a shift in state and federal regulatory attention around a wide and complex set of diversity, equity and inclusion issues. This places unique emphasis on creditors' vendor management programs and how vendors are themselves testing compliance with fair lending and equal opportunity to credit principles. Having done so, this panel considers how far creditors might go to assure their internal programs and essential consumer-facing vendors are adapting to the ever-changing environment.

Speakers:

  • Leslie Bender Esq.Senior Counsel, Clark Hill PLC

  • Mark LaurentVice President of Portfolio Services, Grand Vacation Services LLC

  • Joann Needleman Esq.Member, Clark Hill PLC

ACA's Compliance Returns!

ACA's Compliance Returns!

Recordings

Member: $100.00
Non Member: $200.00Your price

Published: 7/14/2022

ACA's Compliance Team will dive into the CFPB's spring 2022 Supervisory Highlights; review recent CFPB enforcement actions; and discuss relevant judicial decisions from the first half of 2022.

Speakers:

Betsy Clarke
Compliance Attorney
ACA International,
Eagan, MN

Laura Dadd
Compliance Analyst
ACA International
Eagan, MN

Andrew Pavlik
Compliance Analyst
ACA International
Eagan, MN

Colin Winkler
Senior Counsel
ACA International
Eagan, MN

ACA's Efforts to lead the ARM Industry Through the CFPB's Next Steps in Rulemaking

ACA's Efforts to lead the ARM Industry Through the CFPB's Next Steps in Rulemaking

Recordings

Published: 3/4/2020

Another piece of the proposed debt collection rulemaking puzzle from the Consumer Financial Protection Bureau is in place after the bureau released its 103-page Supplemental Notice of Proposed Rulemaking (SNPRM) concerning out-of-statute debt, which ACA has been expecting and preparing for over the past several months. During this webinar, participants will summarize what the SNPRM includes and discuss how it may impact business operations and current compliance systems, including analysis about how it may conflict or overlap with state requirements. ACA will help members understand how this could change the way they collect on out-of-statute debt, and provide an opportunity for questions and the ability to provide feedback on the proposal.

ACA's Guide to State Collection Laws & Practices Cohort

Education

Member: $0.00
Non-Member: $0.00Your price

Save yourself time and trouble with ACA's Guide to State Collection Laws & Practices Cohort (State Guide), and collect within state laws quickly and efficiently.

Accelerating Agent Productivity with AI

Accelerating Agent Productivity with AI

Recordings

Member: $95.00
Non-Member: $140.00Your price

Published: 8/12/2021

Effective use of technology can lead to a massive boost in the productivity of your collections workforce. With the advent of modern AI and ML, various time-consuming, manual and inefficient collections workflows can be automated. Leading collection agencies and debt buyers constantly monitoring agent performance using Prodigal AI and using the insights to coach agents has been able to uplift their agent productivity by 20% and has seen $500K in annual benefits through cost savings and higher collections revenue. Leveraging technology to improve productivity and profitability is imperative for any modern collections business.

Speakers:

  • Tracy DudekCOO, State Collection Service

  • Shantanu GangalCEO, Prodigal

  • Kelli KruegerEducation Director, ACA International

  • Greg SchubertCEO, Sequium Asset Solutions

Accounting and Budgeting

Accounting and Budgeting

Recordings

Member: $100.00
Non-Member: $200.00Your price

Published: 12/13/2022

Running departments like companies, finding insights in financial statements, and accountability of leadership. 

Speakers:
Adam Parks
Mark Naiman 

ACH

Advanced FDCPA Issues

Advanced FDCPA Issues

Recordings

Member: $183.00
Non-Member: $229.00Your price

Published: 3/21/2022

Go beyond the essentials of the FDCPA. Look at relevant court decisions, CFPB guidance and regulatory enforcement actions impacting compliance with the FDCPA. Identify potential liability and defenses under the FDCPA.

Topics to discuss include:

  • Methods of communication and technology
  • Dispute, verification and cease communication requests
  • Call frequency
  • Collecting out-of-statute debts and settlement offers

How you will benefit:

Stay up to date on the latest FDCPA case law on leaving messages, settlement offers, validation notices and more.

Professional Development Units

You will earn 2 PDUs for this online seminar, which can be applied toward ACA's Credit and Collection Compliance Officer (CCCO) and Credit and Collection Compliance Professional (CCCP).

*Please note, credit will be provided ONLY to individuals who have paid to attend this seminar or those using an ACA Training Zone. Anyone sitting in with a paid participant is not eligible to receive credit. Please save a copy of the self-reporting attendance form in your materials for documentation.

ACA Certified Instructors

This seminar is taught only by ACA Certified Instructors. You can expect top-notch presentations that are created by and presented for members. Seminar instructors go through vigorous training to become ACA Certified Instructors and can speak directly to your experiences because they work in our industry.

After Reg F, How Do Consumers Want to Communicate With Debt Collection Agencies

After Reg F, How Do Consumers Want to Communicate With Debt Collection Agencies

Recordings

Member: $100.00
Non Member: $200.00Your price

Published: 3/29/2022

Email, texting and even social media are now deemed acceptable ways to communicate with consumers about their debt. We wanted to understand how consumer's preferences fit into this new landscape, so we conducted a survey of 250 random consumers across generations.

We asked 15 questions that clarified how consumers prefer to interact on channels like email, texting, social media and phone calls, and we want to share what we found out.

If you are using different channels of communication to reach consumers, this information will be sure to inform your strategy going forward. 

Speakers:

Kaitlyn Filippi
Arbeit Software
Tonawanda, NY

Alex Villafranca
Arbeit Software
Amherst, NY

AI in Debt Collection: Navigating the Future of Compliance and Technology

AI in Debt Collection: Navigating the Future of Compliance and Technology

Recordings

Member: $100.00
Non-Member: $200.00Your price

Published: 11/12/2024

Led by two industry experts—one focused on the real-world applications of AI within an agency, and the other specializing in legal and regulatory aspects—this session will provide a comprehensive look at how AI is reshaping the field. From managing compliance risks to optimizing communication strategies, you'll gain valuable insights into how AI can enhance your processes now and how to prepare for the larger shifts on the horizon.

Stay informed about current legislative and regulatory updates related to AI in debt collection and their impact on the industry.

Learn practical ways to implement AI in debt collection operations, from automating routine tasks to enhancing consumer interactions.

Understand the legal considerations surrounding AI, including data privacy and compliance, from a regulatory expert's perspective.

Discover key steps to prepare your agency for the future of AI-driven debt collection, focusing on technology adoption, training, and compliance readiness.

Gain insights from real-world case studies on how AI is being used effectively in collection agencies today.

This session will equip you with both the practical tools and regulatory knowledge you need to stay ahead of AI's impact on the debt collection landscape.

Speakers: Heath Morgan and Mindy Chumbley

American Express

American Express

American Express

American Express

American Express

American Express

An Advocacy Primer for Current & Future Leaders in Collections

An Advocacy Primer for Current & Future Leaders in Collections

Recordings

Member: $95.00
Non-Member: $140.00Your price

Published: 3/1/2021

An introductory level presentation to familiarize attendees with the various ways to get involved in advocacy efforts in support of the collection industry, as well as other business and personal issues that are important to them.

Speakers:

  • Leah DempseyVP and Senior Counsel of Federal Advocacy ACA International

  • Fran FisherBusiness Development Manager - ARMPayscout

An Operations Guru Perspective: Tough Q&A Session on Pursuits of Automating a Workforce

An Operations Guru Perspective: Tough Q&A Session on Pursuits of Automating a Workforce

Recordings

Published: 6/15/2020

In life, as in business there are some conversations that prove invaluable and others you should have avoided altogether. This session aims to be the prior. Join us as Collection Manager becomes journalist in a sit down with his V.P., of Collections and asks the really difficult questions about aspirations to automate an industry.

Speakers:

  • Ethan DrainCollection Manager, American Profit Recovery, Inc.

  • Mike HillerV.P., Collections, American Profit Recovery, Inc.

 

Analytics as Comfort Food

Analytics as Comfort Food

Recordings

Member: $95.00
Non-Member: $140.00Your price

Published: 10/21/2020

Gaining a clear understanding of the four common analytic approaches that provide comfort to businesses as the future becomes more and more uncertain.

This session will showcase how best-in-class analytics can comfort and soothe you in uncertain times.

Speaker:

  • April WilsonVP, Analytics, RevSpring, Livonia, MI

Answering Those Tough Credit Reporting Questions

Answering Those Tough Credit Reporting Questions

Recordings

Member: $95.00
Non-Member: $140.00Your price

Published: 8/11/2020

During this very interactive 60 minute session you will hear real life examples, ripped straight from the call floor and reenacted by the industries best, of both good and bad responses to those tough credit reporting questions from consumers.  You are not going to want to miss this session as you will leave with a list of acceptable responses to help eliminate the stress of making sure you are saying the right thing when consumers inquire about their credit report.
 

NameProduct IDSubjectStatusCash BasisCompanyCategoryDescriptionEducation ItemPublished On
CMS Mastery: Data PrivacyHT20241208ActiveNoACA InternationalRecordings
In part three of this Compliance Management System Hot Topic series, we will focus on the critical aspects of data privacy, a cornerstone in today's digital world. 

Are you caught in the last-minute rush of reviewing your CMS policies, facing an insurmountable pile of tasks under the relentless pressure of time? It's time to turn the tide! Embrace our year-long series designed to transform this stressful cycle into a story of success. This series is not just a course, but instead a pathway to redefining your CMS management strategy. Heath Morgan, Partner at Martin Golden Lyons Watts Morgan, will guide compliance professionals in developing and maintaining a proactive, streamlined approach, replacing reactive chaos with calm efficiency. Embark on this year-long journey with us, as we simplify the complexities of CMS into four manageable parts, each addressed in a focused quarterly segment. Get ready to change the game and steer your organization towards a future of stress-free compliance excellence. 

 

Course Benefits: 

Continuous Improvement: Keep your CMS consistently updated and top-of-mind throughout the year. 

Collaborative Learning: Engage with peers to share challenges and solutions, enriching your learning experience. 

Proactive Management: Learn to proactively manage your policies, avoiding end-of-year rushes and ensuring a smooth transition into 2025. 

Industry Consistency: Contribute to and benefit from a more consistent approach to CMS across the industry. 

 

Speaker: Heath Morgan

Data Privacy12/10/2024
Tips for Organizing and Managing ChangeHT20241211ActiveNoACA InternationalRecordings
Change often is perceived as fearful and worrisome when we don't know what's coming or how to cope with it. In a rapidly shifting workplace, new regulatory and policy guidance requires that we shift our activities or how we do them to maintain a high-powered collection effort that retains needed compliance. Learn how to plan for and managing change in your business and personal lives from industry experts, who will offer a number of tips and techniques to help reduce your apprehension and understand more about handling the change culture.
Speakers: David Glezerman and Teri Plunkett
Tips for Organizing and Managing Change12/9/2024
Texting: Trends, Compliance and Best PracticesHT20241204ActiveNoACA InternationalRecordings
Join ACA's Technology and Innovation Committee and industry leaders John Bedard, Aaron Reiter, Luke Check, and Jon Balon for an insightful discussion on the vital role texting plays in the debt collection industry. This expert panel will explore the current state of texting technology, critical compliance considerations for agencies, emerging trends in 2025, and actionable best practices to optimize your texting strategies. Equip your agency with the tools and insights needed to thrive in this constantly changing environment.
 
Texting: Trends, Compliance, and Best Practices12/3/2024
Litigious Attorneys and Bad ClaimsHT20241121ActiveNoACA InternationalRecordings

This session will provide practical strategies for identifying and managing problematic claims, minimizing litigation costs, and navigating interactions with persistent legal adversaries.

 

Key Topics Covered:

  1. Identifying Bad Claims: Learn what makes a claim "bad," including false allegations, use of inapplicable laws, affirmative defenses, and lack of damages or subject matter jurisdiction.
  2. Litigation Strategies for Bad Claims: Explore early dispositive motions, arbitration tactics, sanctions, and how to document and track claims effectively.
  3. Managing Litigious Attorneys: Understand how to address issues early, identify serial litigators, and employ settlement strategies that minimize long-term costs and disincentivize further claims.
  4. Settlement vs. Litigation: Analyze the pros and cons of quick settlements versus defending against meritless claims and strategies for documenting communications to safeguard against serial litigation.
  5. Recovering Fees and Expenses: Discover tools and regulations to pursue recovery in cases of bad faith litigation, such as monetary sanctions and federal rules governing meritless claims.

This session will provide actionable insights and tools for professionals dealing with complex legal challenges, aiming to protect your organization's interests while maintaining efficiency.

Speakers: Mike Poncin and Bradley Armstrong

Litigious Attorneys and Bad Claims11/20/2024
Why Collections Needs HR MagicHT20241120ActiveNoACA InternationalRecordings
Explore the pivotal role of HR in optimizing operations within the collection industry. This presentation emphasizes how HR strategies can enhance efficiency and profitability by focusing on talent acquisition, development, and retention specific to collection professionals. It underscores the importance of HR's role in fostering a supportive work environment through effective communication, mentorship, and continuous learning initiatives. Additionally, the presentation highlights HR's contribution to compliance management and risk mitigation, crucial for navigating the complex regulatory landscape of collections. Attendees will gain actionable insights into leveraging HR magic to maximize organizational success in collections operations.
Speaker: Cortney Helfrich
Why Collections Needs HR Magic11/19/2024
How a Culture of Inclusion Can Transform Your WorkplaceHT20241116ActiveNoACA InternationalRecordings
In this Hot Topic session, the speakers will discuss the foundations of Inclusion in the workplace and discuss how a culture of inclusivity can promote retention and increase job satisfaction for employees.  A case study will illustrate the process of introducing inclusion into the workplace and its long-term implementation and impact.
Dawn Stone, The Conflict Chick.  Dawn has more than 20 years of experience providing leadership training solutions around DEI, communication and conflict management strategies for individuals, corporations, government, schools and corrections facilities.

Hillary Veldhuis, Esq., CEO/COO, Lyons, Doughty & Veldhuis, P.C./P.A.

Debra Ciskey, Senior Compliance Advisor, ARM Compliance Business Solutions, ACA Certified Instructor and Visionaries Committee Member

How a Culture of Inclusion Can Transform Your Workplace11/14/2024
AI in Debt Collection: Navigating the Future of Compliance and TechnologyHT20241114ActiveNoACA InternationalRecordings
Led by two industry experts—one focused on the real-world applications of AI within an agency, and the other specializing in legal and regulatory aspects—this session will provide a comprehensive look at how AI is reshaping the field. From managing compliance risks to optimizing communication strategies, you'll gain valuable insights into how AI can enhance your processes now and how to prepare for the larger shifts on the horizon.

Stay informed about current legislative and regulatory updates related to AI in debt collection and their impact on the industry.

Learn practical ways to implement AI in debt collection operations, from automating routine tasks to enhancing consumer interactions.

Understand the legal considerations surrounding AI, including data privacy and compliance, from a regulatory expert's perspective.

Discover key steps to prepare your agency for the future of AI-driven debt collection, focusing on technology adoption, training, and compliance readiness.

Gain insights from real-world case studies on how AI is being used effectively in collection agencies today.

This session will equip you with both the practical tools and regulatory knowledge you need to stay ahead of AI's impact on the debt collection landscape.

Speakers: Heath Morgan and Mindy Chumbley

AI in Debt Collection: Navigating the Future of Compliance and Technology11/12/2024
Life Lessons You Learn as a Debt CollectorHT20241029ActiveNoACA InternationalRecordings

Debt collection is often seen as a challenging profession, but it also offers valuable life lessons that go far beyond financial recovery. In this session, we'll explore the personal growth that comes from managing difficult conversations, setting and achieving goals, and holding people accountable with good boundaries. Attendees will learn how the skills developed as a debt collector—like self-motivation, forming habits, and managing emotional responses—can translate into broader life success, even including a little humor about the importance of financial discipline.

Learning Objectives:

Understand the difference between accountability and abuse, and how to maintain professional boundaries.
Learn strategies for managing emotional responses to stressful situations and how to remain in control.
Discover the impact of small, consistent habits and how they lead to success over time.
Explore ways to set attainable goals and develop self-motivation techniques to measure progress.
Reflect on the importance of financial discipline and saving for long-term stability.
This session will provide practical insights into how a career in debt collection can foster personal development and offer skills that apply to all areas of life.

Life Lessons You Learn as a Debt Collector10/29/2024
External ComplianceHT20241017ActiveNoACA InternationalRecordings

This is Part 2 of ACA's CMS Mastery that covers everything your Compliance Management System needs to have.  The focus of this session will be External Compliance. 

This session will cover what areas of your external compliance that your CMS system should have including CFPB Oversight, CFPB Rulemaking, FDCPA Case Law, TCPA Case Law, FCRA Compliance, Complaint Response and Tracking, and Client Requirements.  This session will provide a checklist for agencies and members to make sure they are keeping up to date with the latest in external compliance on a regular basis.

Speaker: Heath Morgan

External Compliance10/16/2024
Talent Taming: Wrangling Top Collection Pros Without Losing Your MarblesHT20241016ActiveNoACA InternationalRecordings
Join us for a dynamic exploration of effective talent management strategies tailored to the collection industry. The presentation dives into understanding the unique motivations and characteristics of collection professionals, emphasizing the importance of targeted recruitment and compelling employer branding. It highlights nurturing talent through mentorship programs and continuous learning opportunities, essential for fostering growth and retention. The session also addresses common challenges in talent management, providing proactive strategies to navigate industry shifts and maintain competitive advantage. Participants gain actionable insights to cultivate a motivated, skilled workforce poised for success in our industry.
Speakers: Cortney Helfrich and Ethan Jenkins
Talent Taming: Wrangling Top Collection Pros Without Losing Your Marbles10/15/2024
Building Data Experiments - Tips, Tricks, And Tools for Testing New DataHT20241003ActiveNoACA InternationalRecordings
With all the new data products available in the marketplace promising to improve your performance, it is essential to walk into each opportunity with the knowledge of how you can test it and measure the results. The debt collection industry is powered by data, but not all organizations are ready to accurately test new data sources. In this session we talk about the application of the scientific method (high school style) to the data testing processes being used to set expectations, test for specific outcomes and to simply document the process so the organization can learn. With all the new data products available in the marketplace promising to improve your performance, it is essential to walk into each opportunity with the knowledge of how you can test it and measure the results. 
Speakers: Adam Parks, Jeff Ragsdale, Bharath Ramachandra
Building Data Experiments - Tips, Tricks, And Tools for Testing New Data10/8/2024
Data Security & Privacy 1RC-1400000-DS1ActiveNoACA InternationalRecordings

Data security breaches affect millions of consumers. As state data breach notification laws continue to grow and change, it's more important than ever to stay on top of the regulations that apply to your business. In this seminar, you will learn to implement effective policies and procedures, notify consumers in the event of a data security breach and explore essential safeguards and strategies to develop a Data Security Compliance Program.

You will learn to:

  • Implement effective policies and procedures
  • Notify consumers in the event of a data security breach
  • Explore essential safeguards and strategies to develop a Data Security Compliance Program

Professional Development Units

You will earn 3 PDUs for this online seminar, which can be applied toward ACA's Credit and Collection Compliance Officer (CCCO), Healthcare Collection Management (HCM) and Scholar and Fellow designations.

*Please note, credit will be provided ONLY to individuals who have paid to attend this seminar. Anyone sitting in with a paid participant is not eligible to receive credit.

ACA Certified Instructors

This seminar is taught only by ACA Certified Instructors. You can expect top-notch presentations are created by and presented for members. Seminar instructors go through vigorous training to become ACA Certified Instructors and can speak directly to your experiences because they work in our industry.

Data Security and Privacy 110/8/2024
Bridging the Gap: Strategies for Attracting and Retaining a Multigenerational WorkforceHT20241002ActiveNoACA InternationalRecordings
Whether you are in recruiting, compliance, HR, operations, or leadership, the cost of hiring and turnover is felt. We all play a part in hiring and retention, sometimes directly but also indirectly too. This presentation explores the critical challenge of building a collections workforce that spans multiple generations. It delves into the unique characteristics, motivations, and expectations of different generational cohorts. By bridging generational gaps, organizations can cultivate a cohesive, dynamic, and high-performing subrogation workforce that thrives in today's competitive landscape.
Speakers: Cortney Helfrich and Ethan Jenkins
Bridging the Gap: Strategies for Attracting and Retaining a Multigenerational Workforce10/1/2024
How to Build a Positive Workplace CultureHT20240926ActiveNoACA InternationalRecordings
In today's ever-evolving work environment, cultivating a positive culture is more important than ever. But what does it truly mean to create a thriving atmosphere where employees feel valued, engaged, and motivated? Join us for an enlightening session where we will share actionable strategies, real-world examples, and insights into transforming your workplace into a positive environment!
Speakers: Shaun Bryant and Kevin Lawson
Employee Relations9/25/2024
New York City's Amended Debt Collection Rules: An OverviewHT20240919ActiveNoACA InternationalRecordings

Join Colin Winkler and David Peltan as they do an overview of the New York City Amendment Rules.

NYC Rules Review9/19/2024
Understanding the Young Debtor: Adapting Collection Strategies for Millennials and Gen ZHT20240917ActiveNoACA InternationalRecordings
Navigating the complexities of debt collection requires a deep understanding of who your debtors are—especially when those debtors are from the younger, digitally native generations of Millennials and Gen Z. This session delves into the unique economic behaviors, personality traits, and preferences of these younger demographics, providing essential insights that will inform and enhance your collection strategies. Attendees will leave equipped with practical knowledge and actionable strategies to refine their approach to debt collection. By understanding and adapting to the motivations and behaviors of Millennials and Gen Z, your team will not only improve their operational effectiveness but also build a more respectful and engaging interaction with the next generation of consumers. Join us to transform your debt collection practices by embracing a deeper understanding of the youngest cohorts of debtors and integrating this knowledge into your business strategies With Ashley and Melissa.
Speakers: Ashley Campanella and Melissa Nash
Understanding the Young Debtor: Adapting Collection Strategies for Millennials and Gen Z9/16/2024
The Playbook to Email CommunicationsHT20240914ActiveNoACA InternationalRecordings

Getting Started with Digital Communication (4-part series)

Through four comprehensive sessions, each focusing on a different type of digital communication—emailing, texting, virtual agents, and chatbots—you'll embark on a journey to master the basics and confidently integrate these technologies into your debt collection practices. Each session is equipped with a checklist, insights on compliance considerations, and a dedicated Q&A segment, ensuring you have all the tools necessary to begin your digital communication journey.

 

The Learning Objectives of This Series:

  • Apply learned principles to set up and utilize basic functionalities of each type of digital communication in your daily operations, reinforced by real-world examples from industry leaders.
  • Evaluate: Assess the advantages and challenges of using each type of digital communication tool in debt collections, developing a template that maximizes responsiveness and engagement.
  • Create: Design a personal plan to integrate a digital communication strategy to optimize customer interactions and operational efficiency into your organization.
  • Develop strategies to navigate and manage compliance risks associated with digital communication tools, fostering a secure and compliant communication environment.

 

This introductory series is a practical guide to getting started with digital communication, using best practices learned from trailblazers in the field. It goes beyond merely explaining the different types of digital tools available; it delves into the practical aspects of implementing these technologies in your daily operations, ensuring that you leave with the confidence and competence to apply digital communication strategies immediately and effectively.

 

The Playbook to Email Communications Learning Objectives:

 

  1. Apply Foundational Email Strategies to Digital Communication: Participants will learn how to effectively set up and utilize email communication within their debt collection practices, building on principles from the broader digital communication framework.
  2. Evaluate the Role of Email in a Comprehensive Digital Strategy: Participants will assess the benefits and challenges of using email as a digital communication tool in debt collections, aligning it with the overall goals of their digital communication strategy.
  3. Integrate Compliance and Best Practices into Email Implementation: Participants will develop strategies to navigate compliance risks and apply best practices for email communication, ensuring that email serves as a secure and effective component of their broader digital communication efforts.

Speakers: Tim Collins, Nathan Anderson, and Topher Androff

The Playbook to Email Communications9/11/2024
Quickfire Panel - Motivation Through Play: Engaging Collectors with Activities and GamesHT20240910ActiveNoACA InternationalRecordings
How do you transform the daily grind of collections into a fun and motivating contest?

In this dynamic panel discussion, discover how industry leaders have re-engaged their collectors by implementing creative contests and activities. Learn about the specific competitions they've used to kick performance up a notch and make work enjoyable.

Each panelist will share detailed insights on the guidelines for these contests, potential pitfalls, and the impressive results they've seen. Additionally, they'll discuss valuable lessons learned, providing you with practical advice to design your own effective and engaging competitions.

Key Takeaways:
  • Explore a variety of proven contests and activities to motivate and re-engage collectors.
  • Understand the guidelines for creating successful contests and activities.
  • Learn from the experiences of industry experts, including potential pitfalls and how to avoid them.
  • Discover the results and impact of gamified activities on team performance.
  • Gain practical tips and lessons learned for designing engaging and effective contests.
  • Network with fellow leaders and exchange ideas to create a more dynamic and motivated team environment.

Speakers: Tesla Miller, Sarah Langley, Kelly Parsons-O'Brien and Jose Giron

Quickfire Panel - Motivation Through Play: Engaging Collectors with Activities and Games9/9/2024
Internal ComplianceHT08152024ActiveNoACA InternationalRecordings
Navigating the complexities of internal compliance within ARM industry is critical for organizations seeking to ensure regulatory adherence and operational efficiency. Join us for an insightful webinar designed to equip you with the knowledge and tools needed to enhance internal compliance frameworks
Speaker: Heath Morgan
Internal Compliance8/14/2024
Control or Chaos: Negotiation Skills (Ep 3)HT20240813ActiveNoACA InternationalRecordings
While consumer contacts rarely are as simple as “I'll pay you right now,” there are usually several rounds of negotiations before you arrive at a suitable payment plan. So, how do you overcome having lengthy conversations and find the “sweet spot” that will bring on-time payments? Join us for the next episode of Control or Chaos on Tuesday, August 13 at 2:00 pm (CT), when our presenters will focus on using best practice negotiating skills to create positive outcomes and enable successful recoveries. Learn how using targeted negotiations can quickly move you and your consumers to a satisfactory account resolution.
Speakers: Teri Plunkett and David Glezerman
Control or Chaos: (Ep 3)8/12/2024
Deep-Dive Webinar: Electronic Communications & DisclosuresHT202040808ActiveNoACA InternationalRecordings

In this webinar, attorneys Mike Etmund and Issa Moe of Moss & Barnett P.A. will discuss various laws and regulations that apply to electronic communications in collections.  They include, among others, the Fair Debt Collection Practices Act and Regulation F, the Electronic Fund Transfer Act and Regulation E, and the Electronic Signatures in Global and National Commerce Act (E-Sign Act).  Mr. Etmund and Mr. Moe will also discuss a few legal issues related to agency websites and payment portals and provide some best practices suggestions and other ideas for attendees to keep in mind as they consider their own process improvements.

Speakers: Issa Moe and Michael Etmund 

Deep-Dive Webinar: Electronic Communications & Disclosures8/7/2024
Texting and E-mailing Best Practices After ImplementationHT20240806ActiveNoACA InternationalRecordings
This session will explore best practices for optimizing your texting and emailing strategies to ensure maximum engagement and compliance. Learn how to measure engagement, manage responses and re-engagement, and leverage automation tools to enhance your communication efficiency. Whether you're new to digital engagement or looking to refine your existing approach, this webinar will provide actionable tips and expert insights to elevate your texting and email campaigns for both maximum effectiveness and compliance. 
Speakers: Joshua Allen, David Kaminski and John Rossman
Texting and Mailing Best Practices After Implementation8/5/2024
Conducting a Risk Assessment eLearningRC-1300000-CRAActiveNoACA InternationalRecordings

At the most basic level, risk is a function of the likelihood of the risk occurring and the impact to the organization or the consumer should the risk occur. Could you quantify the harm that could occur if your company took no action regarding a compliance obligation?

This course will show you how to approach the Risk Assessment phase of the cycle of compliance by taking an inventory of your compliance obligations then applying numerical values and scores in order to prioritize the associated risks. A sound risk assessment prepares you to create and implement a remediation plan containing effective controls, corrective actions, and monitoring essential to your Compliance Management System (CMS).

You will learn how to:

  • Quantify and calculate inherent risk, inherent severity, and residual risk using scoring models; 
  • Rate, “weigh,” and plot your scores on a Heat Map in order to prioritize risks;
  • Document all of your efforts throughout the risk assessment process.

Professional Development Units

You will earn 1.5 PDUs for this online seminar, which can be applied toward ACA's Credit and Collection Compliance Officer (CCCO) and Scholar and Fellow designations.

*Please note, credit will be provided ONLY to individuals who have paid to attend this seminar. Anyone sitting in with a paid participant is not eligible to receive credit.

ACA Certified Instructors

This seminar is taught only by ACA Certified Instructors. You can expect top-notch presentations are created by and presented for members. Seminar instructors go through vigorous training to become ACA Certified Instructors and can speak directly to your experiences because they work in our industry.

Conducting a Risk Assessment8/1/2024
Navigating the New Federal & State Debt Collection Enforcement LandscapeHT20240801ActiveNoACA InternationalRecordings
Join Scott E. Wortman, a Partner at Blank Rome and seasoned attorney in consumer financial services litigation and regulatory compliance, as he demystifies the latest in regulatory enforcement, and how to effectively manage challenges and opportunities, while offering key strategies for legal compliance.
Speaker: Scott Wortman
Navigating the New Federal & State Debt Collection Enforcement Landscape7/31/2024
Duties of Data Furnishers Under the FCRA eLearningRC-1600000-DDFActiveNoACA InternationalRecordings

The Fair Credit Reporting Act (FCRA) and its implementing Regulation V require data furnishers to adopt reasonable policies and procedures surrounding the accuracy and integrity of their furnishing practices, to notify certain consumers prior to furnishing negative information, and to respond to consumer disputes and claims of identity theft and fraud. Consumer Reporting Agencies (CRAs) may also implement additional reporting policies, and while such policies do not amend the law, they do present additional considerations furnishers should address in a Compliance Management System (CMS) and resulting business practices.

This course will prepare you to:

Describe how the FCRA and Regulation V work together to prescribe regulatory requirements.
Apply FCRA, Regulation V, and CRA accuracy and integrity standards when reporting consumer information.
Differentiate between Direct and CRA dispute investigation requirements.
Recognize alerts and respond to claims of identity theft and fraud.
Certify a permissible purpose when obtaining and using consumer reports.
Incorporate effective policies and procedures into a Compliance Management System (CMS).

Estimated time for completion: 2 hours

Professional Development Unit (PDU) points: 2

Recommended pre-requisite(s):
Introduction to Collection Industry Compliance OR 
Understanding and Responding to the CFPB's Expectations

Required for the following ACA Designations:
Credit and Collection Compliance Officer (CCCO)

Duties of Data Furnishers Under the FCRA7/31/2024
Reimagine Adding a New Communication ChannelHT202405132ActiveNoACA InternationalRecordings

Ever wonder how to seamlessly integrate a new communication channel into your already complex operation? Dive into a session to learn about a proven 5-step process to master this challenge and drive results.

  1. Assess Baselines: Learn to evaluate your current communication channels' performance, providing a solid foundation for improvement.
  2. Understand Implementation: Gain insights into integrating the new communication channel, ensuring a smooth transition and best use of resources.
  3. Plan Outreach Blends: Discover strategies for planning outreach blends that combine the strengths of existing and new channels to maximize impact.
  4. Test Configurations: Explore techniques for testing the new channel in various configurations, allowing you to fine-tune your approach.
  5. Analyze Costs and Outcomes: Boost your understanding of how to evaluate the costs and outcomes of your revised approach, empowering you drive continuous improvement.

Don't miss this session where you'll gain new perspective on using data to upgrade your consumer outreaches

Speakers: Amy Kennedy and Meg Manthie

Reimagine Adding a New Communication Channel7/17/2024
How To Recruit and Find Suitable Candidates for Collector PositionsHT20240716ActiveNoACA InternationalRecordings
In this session, you'll be equipped with practical tips, best practices, and actionable insights to streamline your recruitment process and identify the best-fit candidates for collector positions within your organization.
Speaker: Mindy Chumbley
How To Recruit and Find Suitable Candidates for Collector Positions7/15/2024
Optimizing Your Conference Experiences - Unleashing the Power of In-Person NetworkingHT20240619ActiveNoACA InternationalRecordings

Are you ready to get the most from attending the ACA Annual Conference next month?!? In this session two marketing professionals with decades of receivables experience talk about the things they do to optimize the value of their attendance at conferences. Optimizing the value of a conference is an artform. Whether you are a first time attendee or have been attending the same show for decades, there are opportunities to improve, modernize and get the most out of your in-person experiences. This session is valuable to attendees, exhibitors and sponsors.
Speakers: Adam Parks and Katalina Dawson

Optimizing Your Conference Experiences - Unleashing the Power of In-Person Networking6/18/2024
Control or Chaos : Overcoming Objections (Ep. 2)HT202040618ActiveNoACA InternationalRecordings
Identifying the differences between a consumer's objection or a stalling tactic to avoid paying a debt can be difficult, especially when a single word or phrase can change the meaning or direction of a conversation.  Learning how to pinpoint these differences and responding accordingly often creates a successful and compliant contact. Join us as we continue with our “Control or Chaos” Hot Topic series on Tuesday, June 18 at 2:00 pm (CT).  During this hour-long interactive session, our facilitators will provide you with real-world examples and tips on overcoming consumer objections and create opportunities to recover outstanding debts.
Speakers: Teri Plunkett and David Glezerman
Control or Chaos (Ep.2)6/17/2024
Managing the Collection Attorney RelationshipHT20240611ActiveNoACA InternationalRecordings
Managing the relationship with a collection attorney requires clear communication, professionalism, and mutual respect. This webinar will discuss some key steps to effectively manage this relationship.
Speaker: Dennis Barton
Managing the Collection Attorney Relationship6/10/2024
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