SOC Certification and Why It Matters to You | HT20250501 | | Active | No | ACA International | Recordings | In today's fast-paced regulatory environment, trust, security, and operational excellence are more critical than ever. Join John Erickson, CEO of Credit Service International (CSI), and Randy Coneby, owner of Risk to Reward (R2R), for an insightful webinar exploring System and Organization Controls (SOC) certification—what it is, why it matters, and how it can be a game-changer for your agency. Whether you're navigating client requirements, seeking a competitive edge, or aiming to strengthen your organization's credibility, this session will provide practical guidance on choosing the right SOC path, understanding the certification process, and preparing your team for success. | SOC Certification and Why It Matters to You | 4/30/2025 |
Using Goals to Live Life Like a Champ | HT20250429 | | Active | No | ACA International | Recordings | This Hot Topic focuses on goal-setting strategies and achieving excellence in both professional and personal life. Key Topics Covered: Setting goals that create win-win opportunities for team members and stakeholders Developing positive environments where everyone can lead The 10 key behaviors that bring results Creating and implementing SMART goals Strategies for becoming a high performer Focus on turning good performance into great performance Strategies for managing change and accepting new challenges This educational session provides valuable insights for professionals looking to enhance their goal-setting abilities and achieve champion-level success in their careers and personal lives. Speakers: Teri Plunkett and David Glezerman | Using Goals to Live Life Like a Champ | 4/28/2025 |
Unified Intelligence: Maximizing AI's Impact on Agencies | HT20250413 | | Active | No | ACA International | Recordings | Fast-growing agencies navigate several challenges in bringing on AI across diverse applications while managing large operations. We'll explore how implementing a unified intelligence for structured and central insights enhances AI capabilities across your operation, creating connections between data sources. This approach enables AI agents to access comprehensive context from customer interactions, compliance requirements, and business logic—unlocking the full potential of your technology investments while supporting your growth strategy. Speakers: Carl Christensen and Shantanu Gangal | Unified Intelligence: Maximizing AI's Impact on Agencies | 4/14/2025 |
Introduction to Collection Industry Compliance eLearning | WC-2200000-ICI | | Active | No | ACA International | Education | Introduction to Collection Industry Compliance eLearning How Do eLearning Courses Work? An eLearning course is a self-paced training tool individuals can access through My ACA and a portal on ACA's website. Each purchased eLearning course provides unlimited access for one individual until it expires, and the course must be purchased again or if you have Training Zone put back into My Items to gain access. This eLearning will guide you through the complex web of regulatory entities impacting the industry while you discover the components of the compliance lifecycle; learn what makes a strong compliance team leader and how to support a culture of compliance at your agency. Take away the ACA Compliance Checklist to help you start an effective Compliance Management System (CMS) as required by the Consumer Financial Protection Bureau. This course will prepare you to: - Identify the primary regulators and laws within the scope of the debt collection industry.
- Describe the benefits of implementing a compliance program with an effective Compliance Management System (CMS).
- Allocate talent, time, and other resources effectively by clearly defining compliance roles and responsibilities.
- Apply the three stages of the Compliance Cycle when developing a CMS.
- Use the ACA Compliance Checklist (and other resources) to plan and document compliance activities.
Course Time and Credit 3 hours, 3 Professional Development Units. This course is required for ACA's Credit and Collection Professional (CCCP), Professional Collection Management (PCM), and Collection Industry Professional (CIP) Designations. *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. | Introduction to Collection Industry Compliance eLearning | 4/2/2025 |
Debt Collection 2025: Navigating Change Through Innovation and Compliance | HT20250226 | | Active | No | ACA International | Recordings | This session explores the transformative trends set to redefine the debt collection landscape in 2025. It examines how advances in AI, automation, and data analytics are streamlining operations, while a shift toward consumer-centric communication is creating more empathetic and effective engagement. In addition, the session highlights the growing importance of compliance with evolving regulations and ethical standards, as well as the integration of alternative digital payment solutions to meet modern consumer needs. Attendees will gain insights into how these innovations not only improve operational efficiency and recovery rates but also enhance customer experience and trust. Speakers: Kelly Knepper-Stephens and Tim Collins | Debt Collection 2025: Navigating Change Through Innovation and Compliance | 3/19/2025 |
Strategic Planning: Do You Want to Grow? | HT20250304 | | Active | No | ACA International | Recordings | Too often, we get so involved in day-to-day activities that thinking about future needs is set aside for another time. Ignoring or losing one's future vision often leads to missing opportunities or growth potential. In this webinar, learn more from industry experts about the concept of strategic planning and some of the tools you can use to assure your business (and self) sets a direction to achieve maximum success by analyzing your current status, as well as creating your future vision through goalsetting, planning documents and ongoing evaluation of your objectives. Speakers: Teri Plunkett and David Glezerman | Strategic Planning: Do You Want to Grow? | 3/13/2025 |
Successful Strategies for Frontline Collections | HT20250303 | | Active | No | ACA International | Recordings | This comprehensive session covers essential strategies for success in frontline collections. The session is divided into three main sections: Learning Outcomes: - Learn to balance professionalism, empathy, and strategy in collections - Develop effective negotiation and active listening skills - Understand compliance and ethical practices essential for long-term success - Master techniques for handling financial trauma and difficult conversations - Implement strategies for continuous learning and professional development This session provides practical, actionable insights for collectors at all experience levels, emphasizing the importance of professional growth and ethical practices in the collections industry. Speaker: Jennifer Peck | Successful Strategies for Frontline Collections | 3/12/2025 |
Advanced FDCPA Issues eLearning | WC-1100000-AFI | | Active | No | ACA International | Education | Going beyond the basics of ACA's FDCPA Essentials, next-level subjects such as the Bona Fide Error defense, trending court cases, and FDCPA enforcement actions are explored in this course. This awareness may help you enhance your compliance program proactively, and thus, increase your accountability for the FDCPA and other consumer protection laws. This course will prepare participants to: - Categorize liability and damages for violations of the FDCPA.
- Identify the criteria necessary to exercise a Bona Fide Error Defense.
- Track trending areas of concern in communications with consumers, debt collection practices, and applicability of the FDCPA using industry resources.
Estimated time for completion: 2 hours Professional Development Unit (PDU) points: 2 Recommended pre-requisite(s): - FDCPA Essentials for the Accounts Receivable Management Industry
Required for the following ACA Designations: - Credit and Collection Compliance Professional (CCCP)
- Credit and Collection Compliance Officer (CCCO)
| Advanced FDCPA Issues eLearning | 3/9/2025 |
Culture in Motion: The Blueprint to Building Excellence | HT20250224 | | Active | No | ACA International | Recordings | This session, presented by Courtney Helfrich, explores the fundamental aspects of building and maintaining excellence in organizations. There are three key sections discussed: 1. Creating a Culture of Excellence 2. Leadership's Role in Excellence 3. Personal Tips for Excellence Check out how you and your company can build on the skills necessary to excel! | Culture in Motion: The Blueprint to Building Excellence | 3/9/2025 |
Compete Everyday: Steps to Winning at Work | HT20250225 | | Active | No | ACA International | Recordings | This comprehensive training session explores how to achieve success in the debt collection industry through competitive excellence and strategic planning. Key Topics: Understanding the debt collection industry landscape Essential strategies for daily success Building effective communication skills Developing professional relationships Leveraging technology and continuous improvement Learning Objectives: How to implement strategic planning at individual, departmental, and company levels Techniques for effective communication Best practices for building professional relationships Strategies for continuous improvement and performance enhancement Speaker: Cortney Helfrich | Compete Everyday: Steps to Winning at Work | 2/25/2025 |
Managing the Collection Floor eLearning | WC-2400000-MCF | | Active | No | ACA International | Education | This course focuses on strategies in collection floor management that help maintain compliance and foster continuous improvement. Additional strategies address efficient and effective collection practices. The ultimate goal of all the processes you manage on the collection floor is improved and measurable performance. This course will prepare you to: - Describe effective inventory management strategies.
- Operate a compliant collection floor.
- Develop key performance indicators (KPIs) to measure performance.
- Develop and understand efficient, effective, and compliant practices for the collection floor.
Course Time and Credit 3 hours, 3 Professional Development Units. This course is required for ACA's Professional Collection Management (PCM) Designation. *Please note, credit will be provided ONLY to individuals who have paid for this eLearning or those using an ACA Training Zone. Anyone sitting in with a paid participant is not eligible to receive credit. How Do eLearning Courses Work? An eLearning course is a self-paced training tool individuals can access through My ACA and a portal on ACA's website. Each purchased eLearning course provides unlimited access for one individual until it expires, and the course must be purchased again or if you have Training Zone put back into My Items to gain access. | Managing the Collection Floor eLearning | 2/24/2025 |
FDCPA Flash | FDCPFFLASH | | Active | No | ACA International | Recordings | FDCPA Flash: Fast, Focused, and Fully Compliant Stay sharp and confident with this bite-sized FDCPA refresher!
Stay Compliant and Confident with this 30-minute FDCPA Refresher. This 10-part video course highlights the key points every collector needs to know for daily operations, offering a quick, clear and engaging overview of the most important compliance standards of the FDCPA.
Course Modules: - Communication Under the FDCPA - Navigating Third-Party Contacts - The Validation Period - Cease Communication or Refusal to Pay - Mastering Attorney Representation - Handling Bankruptcies - Dispute Handling - Harassment and Abuse
Certification: Learners who pass the final quiz with a score of 100% or higher will earn a certificate of completion, demonstrating their comprehensive understanding of FDCPA compliance standards.
Duration: Total Course Time: 30 minutes Final Quiz: 15 minutes Format: Video lessons with 2 question quizzes after each and a final 25 question quiz at the end
Equip your team with the knowledge they need to succeed, one bite-sized lesson at a time. This focused training ensures collectors maintain professional standards while protecting both consumer rights and company interests.
This refresher emphasizes the importance of aligning the FDCPA with your organization's specific requirements for seamless adherence. Non-training zone subscribers: This training is priced per user and includes limited access time.
| FDCPA Flash | 2/13/2025 |
CMS Mastery: Vendor Management | HT20250206 | | Active | No | ACA International | Recordings | Effective vendor management is a critical component of maintaining a comprehensive CMS . This session will explore key strategies for selecting and managing service providers while ensuring compliance with industry regulations. Attendees will gain valuable insights into the role vendor management plays in reducing risk, enhancing operational efficiency, and supporting a robust CMS. Whether you're looking to strengthen your existing processes or build a more effective approach, this discussion will provide practical perspectives to help you succeed. Speaker: Heath Morgan | CMS Mastery: Vendor Management | 2/5/2025 |
Controls and Corrective Actions eLearning | WC-0000560-CCA | | Active | No | ACA International | Education | This course is a continuation of ACA's Conducting a Risk Assessment course, as the processes go together. In this segment, you will take a deeper dive into the many ways in which your organization can tailor its monitoring to include appropriate controls and corrective actions.
This course will prepare you to: - Create and implement remediation plans to mitigate risk.
- Evaluate your compliance management system using stages of maturity and by monitoring system operations.
Estimated time for completion: 1.5 hours Professional Development Unit (PDU) points: 1.5 Recommended pre-requisite(s): - Conducting a Risk Assessment
Required for the following ACA Designations: - Credit and Collection Compliance Officer (CCCO)
| Controls and Corrective Actions eLearning | 1/30/2025 |
Effective Performance Management eLearning | WC1700000-EPM | | Active | No | ACA International | Education | Gain the skills you need to effectively coach and manage your team to achieve successful business results while creating a positive and motivating work environment.
This course will prepare you to: - Identify Key Result Areas (KRAs) and Key Performance Indicators (KPIs).
- Write effective performance evaluations.
- Deliver effective feedback, coaching, and/or corrective action.
Estimated time for completion: 1.5 hours Professional Development Unit (PDU) points: 1.5 Recommended pre-requisite(s): Exceptional Leadership
Required for the following ACA Designations: - Collection Industry Professional (CIP)
- Professional Collection Manager (PCM)
| Effective Performance Management eLearning | 1/30/2025 |
Exceptional Leadership eLearning | WC-1900010-EXL | | Active | No | ACA International | Education | Exceptional Leadership Being a leader presents unique challenges and opportunities. As a leader, you must understand your role as a supervisor, manage difficult situations, prioritize your roles and responsibilities and manage your time effectively. This course will prepare you to: Recognize the basic principles of effective leadership. Manage difficult situations appropriately. Prioritize your roles and responsibilities. Set goals and strategies for strengthening your leadership skills. Estimated time for completion: 45 minutes Professional Development Unit (PDU) points: 1 Recommended pre-requisite(s): none Required for the following ACA Designations: Collection Industry Professional (CIP) Professional Collection Manager (PCM) | Exception Leadership eLearning | 1/30/2025 |
From Hire to Higher: Elevating Talent Acquistion and Onboarding | HT20250128 | | Active | No | ACA International | Recordings | In today's competitive job market, successful talent acquisition and onboarding strategies are crucial for building high-performing teams. This dynamic session explores innovative approaches to attract, select, and integrate new employees into your organization while maximizing retention and engagement from day one. Learning Outcomes: Crafting Effective Job Descriptions Sourcing Qualified Applicants Initial Screening and Resume Review Optimizing Time-to-Hire Conducting Structured Interviews Employee Verification Extending Job Offers Onboarding Team Integration Continuous Feedback Speakers: Syntheia Nagel and Frank Tirre | From Hire to Higher: Elevating Talent Acquistion and Onboarding | 1/28/2025 |
Payment Portal 2.0 | HT20250129 | | Active | No | ACA International | Recordings | This Hot Topic explores how collection agencies can leverage modern payment portal technology to enhance consumer engagement, increase payment rates, and streamline operations. Led by industry experts from ACA's Tech Committee, this course provides practical insights into implementing and optimizing payment portals for maximum effectiveness. Key Topics Covered: - Portal Technology Fundamentals
- Consumer Experience Design
- Digital Communication Integration
- Compliance Considerations
- Performance Metrics
Speakers: Heath Morgan, Rob Fite and Aaron Reiter | Payment Portal 2.0 | 1/28/2025 |
CMS Mastery: Data Privacy | HT20241208 | | Active | No | ACA International | Recordings | 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 Privacy | 12/10/2024 |
Tips for Organizing and Managing Change | HT20241211 | | Active | No | ACA International | Recordings | 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 Change | 12/9/2024 |
Texting: Trends, Compliance and Best Practices | HT20241204 | | Active | No | ACA International | Recordings | 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 Practices | 12/3/2024 |
Litigious Attorneys and Bad Claims | HT20241121 | | Active | No | ACA International | Recordings | 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: - 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.
- Litigation Strategies for Bad Claims: Explore early dispositive motions, arbitration tactics, sanctions, and how to document and track claims effectively.
- 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.
- 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.
- 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 Claims | 11/20/2024 |
Why Collections Needs HR Magic | HT20241120 | | Active | No | ACA International | Recordings | 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 Magic | 11/19/2024 |
How a Culture of Inclusion Can Transform Your Workplace | HT20241116 | | Active | No | ACA International | Recordings | 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 Workplace | 11/14/2024 |
AI in Debt Collection: Navigating the Future of Compliance and Technology | HT20241114 | | Active | No | ACA International | Recordings | 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 Technology | 11/12/2024 |
Life Lessons You Learn as a Debt Collector | HT20241029 | | Active | No | ACA International | Recordings | 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 Collector | 10/29/2024 |
External Compliance | HT20241017 | | Active | No | ACA International | Recordings | 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 Compliance | 10/16/2024 |
Talent Taming: Wrangling Top Collection Pros Without Losing Your Marbles | HT20241016 | | Active | No | ACA International | Recordings | 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 Marbles | 10/15/2024 |
Building Data Experiments - Tips, Tricks, And Tools for Testing New Data | HT20241003 | | Active | No | ACA International | Recordings | 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 Data | 10/8/2024 |
Data Security & Privacy 1 | RC-1400000-DS1 | | Retired | No | ACA International | Recordings | 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). *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 1 | 10/8/2024 |