Compliance Training

Providing compliance resources and information critical to the success the credit and collection industry.

Fastfax

ACA International's fax-on-demand gives ACA members access to hundreds of association's compliance documents. All Fastfax documents are now also available online.

Fair Debt Collection Practices Act

The purpose of the Fair Debt Collection Practices Act (FDCPA) is to eliminate abusive debt collection practices by debt collectors and to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged.

Educational Compliance Seminars

• Bankruptcy Know the basics of the consumer bankruptcy process from start to finish. Learn about bankruptcy paperwork and the processes and procedures for handling a bankruptcy.
  
• Collection Laws for Creditors Explore the important points of the FDCPA and how the Act affects creditor collections. Participants will gain useful tips on implementing compliant privacy practices, furnishing data and reading between the lines of a consumer report. Participants will also study bankruptcy provisions to determine impacts to daily collection activity.
  
• Credit & Collection Compliance Officer This program is your opportunity to mitigate your organization's risk. The workshop is packed with information, tools and resources you will use back on the job. Through lecture, discussion and activities, you'll learn how to develop successful compliance practices that if implemented, can keep your business growing and profitable.
  
• Fair Credit Reporting Act Explore the impact that the FCRA has on the collections and credit industry and on your business. This opportunity for instruction and discussion of the law will help you understand how the FCRA is interpreted and enforced as well as the key areas that are critical to collections and credit.
  
• FDCPA: Facts, Fiction & Reality Learn the facts and requirements of the FDCPA, crush any fallacies you have and learn what impact the Act has on your agency's future. This opportunity for discussion, instruction, activities, evaluation and true-to-life application of the law will stimulate and energize you.
  
• FDCPA: Hot Topics Leaving messages, settlement offers, validation notices, the latest FDCPA amendments and other topics will be discussed here. All agencies collecting consumer debt need to comply with and be knowledgeable about the FDCPA. This session will include an analysis of recent judicial decisions regarding the FDCPA, as well as Federal Trade Commission staff interpretations.
  
• FDCPA: Issues for Owners This hands-on experience offers the most up-to-date legal information on FDCPA compliance to help your agency to avoid practices that have cost some agencies millions. Evaluate your knowledge of key compliance issues through group discussions and create a compliance program. Topics include Bona Fide Error defense, the FCRA and other privacy legislation that affects day-to-day collection activity.

Ethics/Code of Conduct

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.