Top Headlines

• Important Announcement from the ACA International Board of Directors
  Board discusses advancements to prepare ACA for the future and strengthen advocacy.
  
• Canadian Personal Debt Levels Experience First Quarterly Drop Since 2011
  Average consumer total debt increased on a year-over-year basis.
  
• CDC Statistics Show the Number of Cell Phone Only Households Continues to Grow
  Study shows 54.1 percent of U.S. households rely either exclusively or predominantly on wireless telephone service.
  
• Consumer Sentiment Index Reflects Surge in Consumer Confidence
  May’s numbers indicate an improved outlook on the economy by U.S. consumers.
  
• Top Compliance Question for May
  The top compliance question received by ACA’s Compliance Department in May concerned licensing requirements.
  
• Top Ethics Complaint for May
  The majority of ethics complaints received by ACA’s Ethics Department in May concerned failure to provide verification.
  
• FDCPA Case Statistics
  May Fair Debt Collection Practices Act lawsuit trends, courtesy of FDCPA Case Listing Service, LLC.
  
• California District Court Holds Cell Phone Number Provided in Online Account Information is Consent to Receive Text Messages
  Court comments on TCPA prior express consent in context of PayPal’s online user agreement.
  
• Collection Letter That Fails to State Consumers Must “Dispute” Debts to Trigger Verification Notice Does Not Violate FDCPA
  Collectors cannot ignore verification duties anytime a consumer requests verification but fails to also state the debt is “disputed.”
  
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