Ethics/Code of Conduct

ACA's Code of Ethics and related documents.

Code of Ethics and Code of Operations

ACA International members are committed to ethical practices and take the expectations of creditor clients and the public seriously. As a condition of association membership, all ACA members agree to abide by the ACA Code of Ethics and Code of Operations.

• Full text: ACA Code of Ethics and Code of Operations
• Full text: Procedural Rules for the Ethics Committee
• Full text: ACA Code of Ethics and Code of Operations - Spanish
• Full text: Procedural Rules for the Ethics Committee - Spanish
• Full text: Advisory Opinion interpreting Rule II.A.6
• Full text: Advisory Opinion - Currency Exchange
• Full text: Advisory Opinion - Caller ID Display
• Full text: Advisory Opinion - Confidentiality

Members wishing to learn more or educate employees about ACA International's Code of Ethics and Code of Operations may use this informative PowerPoint presentation.

• File an ethics complaint. 

Health Care Collection, Servicing and Debt Purchasing Practices - Statement of Principles and Guidelines

Professionals who specialize in collecting or purchasing health care debt understand that such services should always be performed with sensitivity to each health care providers' mission. Accordingly, ACA International adopted its Statement of Principles as a voluntary road map to help members align practices with health care clients' expectations. Following are several resources to aid members who strive to uphold the values espoused in the Statement of Principles.

• Full document: Health Care Collection, Servicing and Debt Purchasing Practices–Statement of Principles and Guidelines.
• Talking points: Answering Client Questions About the Health Care Statement of Principles.
• Sample press release: Template that members signing the optional confirmation of commitment can distribute to local media contacts.
• Microsoft Word version of the Optional Confirmation page.