Advertisement

http://bit.ly/1nTtG0K
T- T T+

Fastfax

A comprehensive library of ACA’s compliance documents.

Members can search for Fastfax documents using the search box in the upper right-hand corner, or search using the categories listed below.

ACA International’s Fastfax service gives ACA members access to hundreds of the association’s compliance documents. All Fastfax documents are available online.

Filter by dated added/updated
Filter by dated added/updated

248 Fastfaxes listed - (All By Date)  To list Fastfaxes by category, use the links on the left.Fastfax Search

Title Added Updated
“Doctrine of Necessaries” Fastfax #20366/1/20043/18/2014
1099-Cs: Reporting Discharges of Indebtedness Fastfax #232410/31/200510/19/2011
A Brief Summary of Commercial Collection Regulations Fastfax #20293/29/20063/21/2014
ACA International Interstate Chart Fastfax #30055/25/20049/22/2014
Acceptance of Credit Cards by Collection Agencies Fastfax #95105/25/20042/6/2014
Accord and Satisfaction Fastfax # 230312/20/201012/20/2010
Accounts Receivable Entries ARC Fastfax #120410/14/20057/18/2011
Adding Collection Costs to Educational Debts Fastfax #20688/24/20093/10/2011
Adding Fees to Debts Fastfax #80005/24/20048/25/2014
Address Discrepancy Requirements Fastfax #15175/25/20047/1/2013
Adverse Action Requirements Under the FCRA Fastfax #11768/12/200812/30/2011
Age of Majority Fastfax #11537/10/20071/27/2011
Agency Names Fastfax #11345/31/20057/9/2009
Answering Machine Messages, Class Action Suits and State Unfair & Deceptive Practices Acts Fastfax #30404/23/20104/23/2010
Are Collection Notices Required to be Sent by First Class Mail? Fastfax #11433/27/20062/6/2012
Are State Law Violations Also FDCPA Violations? # 30548/5/20105/20/2011
Attorney Collection Notices Fastfax #30823/5/20124/20/2012
Attorney Communications and the FDCPA Fastfax #116912/18/200712/18/2007
Attorney Involvement and the FDCPA Fastfax #205511/21/20067/21/2014
Attorney Representation: Reasonable Period of Time Fastfax #11386/19/20035/28/2010
Australia: Debt Collection Down Under Fastfax #80418/2/20068/2/2006
Bankruptcy and Co-signers Fastfax #30352/5/20102/5/2010
Bankruptcy and Pre-Petition Checks Fastfax #11758/4/20088/4/2008
Bankruptcy and Spouses Fastfax #23389/5/200611/27/2012
Bankruptcy Reform Overview Fastfax #23237/6/20057/6/2005
Bankruptcy Reform: Notice to Creditors Fastfax #23226/29/20056/29/2005
Bankruptcy Reform: Redemption Fastfax #23216/15/20056/16/2005
Bona Fide Error Defense #11296/19/20028/2/2013
Buying Receivables Fastfax #45518/30/20079/4/2007
Call Baiting – What Collectors Should Know Fastfax #30778/15/20118/15/2011
Caller ID Issues Fastfax #116812/18/20073/29/2011
Can I Collect on a Holiday? Fastfax #11115/24/20042/9/2012
Can knowledge be imputed to a debt collector? Fastfax #23446/7/200712/28/2009
Canada: Alberta Collection Laws Fastfax #25025/4/20063/8/2010
Canada: British Columbia Collection Laws Fastfax #25035/4/20064/6/2010
Canada: Manitoba Collection Laws Fastfax #25045/4/20064/6/2010
Canada: New Brunswick Collection Laws Fastfax #25055/4/20064/6/2010
Canada: Newfoundland and Labrador Collection Laws Fastfax #25065/4/20067/16/2010
Canada: Northwest Territories Collection Laws Fastfax #25075/4/20061/25/2011
Canada: Nova Scotia Collection Laws Fastfax #25085/4/20062/15/2011
Canada: Nunavut Collection Laws Fastfax #25095/4/20062/16/2011
Canada: Ontario Collection Laws Fastfax #25105/4/20063/18/2011
Canada: Prince Edward Island Collection Laws Fastfax #25115/4/20063/1/2011
Canada: Quebec Collection Laws Fastfax #25125/4/20063/1/2011
Canada: Saskatchewan Collection Laws Fastfax #25135/4/20061/28/2011
Canada: Yukon Collection Laws Fastfax #25145/4/20061/26/2011
Canadian Licensing Chart Fastfax #30062/23/20063/18/2011
Cease Communication Requests Fastfax #11366/7/20064/7/2014
Changes to Student Loan Consumers’ Rights Fastfax #20634/19/20078/10/2009
Charging Medicare Beneficiaries Extra Fees Fastfax #30414/23/20104/23/2010
Check 21 Act # 30495/10/20105/10/2010
Check Verification and the Fair Credit Reporting Act Fastfax #40015/24/20044/25/2012
Child Support Collections #30727/19/20117/19/2011
Choice of Law Issues in the Check Industry Fastfax #40078/4/20033/17/2011
Class Certification Fastfax #20507/21/20067/21/2006
Collecting After Filing Form 1099-C Fastfax #234010/4/20069/28/2011
Collecting Debts Online Fastfax #120712/31/20072/25/2009
Collecting From Home - What Your Agency Should Know Fastfax #13012/25/20085/1/2012
Collecting from Minors Fastfax #12543/26/20083/26/2008
Collecting From the Deceased Fastfax #20613/12/20079/11/2012
Collecting Medicare v. non-Medicare Debt # 30373/8/20109/10/2010
Collection Efforts During the 30-day Validation Period Fastfax #11727/2/20089/22/2014
Common Law and Community Property States Fastfax #11512/20/20075/3/2011
Commonly Asked Questions About “Closed” States and Collection Activity Fastfax #20005/24/20041/6/2014
Communicating with Consumers via E-mail Fastfax #23322/13/20062/4/2010
Communicating with Debt Settlement Companies Fastfax #300210/22/20088/1/2014
Communication with Spouses Fastfax #20406/4/20049/13/2013
Contacting Neighbors and other Third Parties--State Restrictions Fastfax #20179/16/20042/10/2014
Continuous Violations Doctrine Fastfax #23456/7/20076/7/2007
Cooperating with Law Enforcement Agents Fastfax #23421/8/20071/8/2007
Courts Analyze Addition of Writing Requirement to Validation Notices Fastfax #23312/11/20062/6/2014
Credit Grantors and the FDCPA Fastfax #80049/14/20019/14/2001
Credit Reporting Medical Accounts under HIPAA and the FCRA Fastfax #62591/29/20047/21/2009
Creditors and Identity Theft Fastfax #205311/21/200611/21/2006
Data Furnisher Liability When Investigating Consumer Disputes under the FCRA Fastfax #12563/26/20089/11/2014
Data Furnisher Responsibilities under the FCRA Regarding Consumer Disputes from Consumer Reporting Agencies Fastfax #152610/21/20054/7/2014
Data Privacy Strategies for Financial Institutions Fastfax #205611/21/200611/21/2006
Date of Delinquency Reporting Requirements Fastfax #15105/25/20044/22/2008
Debt Collectors and Identity Theft Fastfax #80439/11/20069/11/2006
Debt Purchasers Required to Send Notice of Purchase to Consumers Fastfax #45547/6/20064/30/2012
Debts Incurred After Filing Bankruptcy Fastfax #23399/7/20064/25/2012
Direct Disputes from Consumers to Data Furnishers under FCRA Fastfax #15225/25/20046/12/2014
Discharging Student Loans through Bankruptcy Fastfax #805112/13/200612/13/2006
Disputes: Duties of Debt Collectors under the FDCPA and FCRA Fastfax #30143/26/200911/15/2013
Dual Purpose Calls Under the Telephone Consumer Protection Act Fastfax #95206/24/200411/6/2012
Duty to Screen for Bankruptcy Fastfax #11568/8/20078/16/2011
Employment Verification: When is it Permitted? Fastfax #11354/15/200411/29/2010
Envelopes and the FDCPA Fastfax #11557/9/20079/2/2014
Extending Credit to US Service Members Fastfax #804712/8/200610/4/2007
Fair Credit Billing Act – What Creditors Should Know Fastfax #804511/1/200611/1/2006
Fair Credit Reporting Act: Relation to State Laws Fastfax #15185/25/20048/16/2011
Family and Medical Leave Act of 1993 Fastfax #80531/24/20076/4/2008
FCC Declaratory Ruling Regarding Dialing Wireless Numbers Fastfax #12532/4/200810/29/2012
FCC Issues Declaratory Ruling Regarding Dialing Wireless Numbers - FAQ Fastfax #13002/15/20084/23/2012
FCRA Disposal Rule in Effect Fastfax #15256/7/200511/12/2009
FCRA Identity Theft Provisions: Blocking Information Resulting From Identity Theft Fastfax #15215/25/200411/13/2009
FCRA Identity Theft Provisions: Fraud Alerts and Active Duty Alerts Fastfax #15135/25/200411/13/2009
FCRA Regulations Requiring Implementation of Identity Theft Prevention Program Fastfax #12501/21/20087/1/2013
FCRA Truncation Requirements: Credit and Debit Cards and Social Security Numbers Fastfax #15145/25/20048/9/2011
FDCPA Amendments Fastfax #205111/15/200611/15/2006
Federal and State Law Issues for Debt Purchasers Fastfax #455211/22/20045/12/2011
Federal and State Laws Regarding Same Sex Marriages, Civil Unions and Domestic Partnerships #303212/23/20097/21/2014
Federal and State Mini-Miranda Disclosure Fastfax #11455/5/20067/15/2013
Financial Institutions’ Duty under the FCRA to Provide Consumers with Notice of Furnishing Negative Information Fastfax #151911/15/200411/13/2009
Frequency of Collection Calls: What Constitutes Harassment? Fastfax #23334/3/20083/10/2014
Frequently Asked Questions Regarding Leaving Messages for Consumers Fastfax #30475/27/20108/9/2011
FTC Advisory Opinion Regarding Cease Communication and Responding to Disputes # 30208/28/20098/28/2009
FTC Final Policy Statement Regarding Collection of Decedents’ Debts Fastfax # 30768/3/20118/3/2011
Garnishment Fastfax #302210/22/20092/6/2014
Garnishment: Federal and State Exemptions Fastfax #302310/22/20092/5/2014
GLBA and Higher Education Fastfax #226012/3/200712/3/2007
GLBA Notices and the FDCPA: Possible FDCPA Violations Fastfax # 302712/14/200912/14/2009
GLBA Privacy Rule Fastfax #22576/27/20065/20/2014
Gramm-Leach-Bliley-Act (GLBA) - Safeguards Rule Fastfax #22555/25/20049/25/2008
Handling Consumers’ Payments Fastfax #20065/25/20067/31/2013
Health Reform and the Small Business Tax Credit Fastfax #30536/16/20106/16/2010
HIPAA for Business Associates - An Overview #20658/25/20148/25/2014
Hospital Billing and Collection Practices Fastfax #28059/5/20069/24/2013
In-Person Collections Fastfax #116712/14/200712/14/2007
Interest Rates Fastfax #20156/16/20047/31/2014
International Collections and the FDCPA Fastfax #11173/16/20032/14/2014
International Privacy Initiatives #30813/2/20123/2/2012
Internet-Initiated Entries WEB Fastfax #120310/14/20051/5/2012
Is the Lack of State Licensure a Violation of the FDCPA? Fastfax #11524/23/20074/23/2007
Itemization of Collection Notices Fastfax #12511/21/20087/3/2012
Leaving Messages for Consumers Fastfax #11467/6/200611/20/2014
Legal Issues for Repossession Agents Fastfax # 30526/15/20106/15/2010
Letter Requirements: Colors, Fonts and Double-Sided Notices # 302411/13/20098/27/2014
Letter Requirements: Validation Notice Fastfax #11488/14/20069/2/2014
Leveraging Attorneys’ Rules of Professional Conduct and Rules of Professional Responsibility to Address Frivolous Litigation # 306111/3/201011/3/2010
Liability for Violations of the FDCPA Fastfax #307812/6/201112/6/2011
Manager Requirements Fastfax #20356/1/20044/24/2014
Medical Debts - Statutes of Limitation and Interest Fastfax #11588/7/20074/14/2010
Medical Information Furnishers and the FCRA Fastfax #15155/25/200411/13/2009
Mexico Debt Collection Fastfax #306211/30/201011/30/2010
Mortgage Deficiency Balances after Foreclosure Fastfax #300010/2/20084/8/2014
Multiple Agencies or Creditors Collecting on the Same Account Fastfax #11478/2/20063/20/2012
Multiple States’ Special Text in a Single Collection Letter Fastfax #11413/1/200511/3/2009
National Do Not Call Registry: Its Effect on the Credit and Collection Industry Fastfax #95165/25/200410/29/2012
Natural Disasters Fastfax #301011/13/200811/13/2008
Ninth Circuit decision impacts collectors’ ability to obtain consumer reports Fastfax #116310/30/20077/9/2010
Notification of Filing Form 1099-C #30717/19/20117/19/2011
Notification Requirements for Post-dated Checks and Other Recurring Post-dated Instruments Fastfax #401110/25/20058/19/2011
Offshore Outsourcing Fastfax #12575/29/20085/29/2008
Overview of PADDs, EFTs and ACH Transactions Fastfax #40151/5/20051/5/2005
Overview of the ACH Network Fastfax #40135/25/20047/18/2011
Overview of the CAN-SPAM Act Fastfax #80404/14/20057/11/2008
Overview of the Consumer Financial Protection Bureau Fastfax #30579/14/201012/27/2013
Patient Protection and Affordable Care Act – What it Means for the Collection Industry Fastfax #308410/8/201210/8/2012
Payment Card Data Security Fastfax #11737/9/200811/29/2010
Payment Transaction Fees Fastfax #40065/27/20087/2/2014
Permissible Purposes under the FCRA Fastfax #11547/5/200711/3/2014
Point-of-Purchase Entries POP Fastfax #120010/14/20057/18/2011
Political Campaigns and the use ADADs Fastfax # 30383/24/20105/3/2010
Pre-Collect, Billing and the FDCPA Fastfax #11148/19/200310/25/2013
Private Right of Action under FCRA § 615 Fastfax #205211/21/20068/12/2011
Private Student Loan Disclosure Requirements # 30363/8/20103/8/2010
Re-presented Check Entries RCK Fastfax #120110/14/20053/14/2011
Recording Conversations Fastfax #20276/18/20044/24/2014
Regulation E Fastfax #23302/1/200612/27/2012
Regulation FF - Fair Credit Reporting Act Medical Information Regulations Fastfax #15273/13/20063/13/2006
Reportable Information Fastfax #300110/21/200811/4/2008
Reporting Commercial Debt on a Consumer’s Credit Report Fastfax #15289/5/20062/6/2012
Return Fee Entries via the ACH Network Fastfax #30705/24/20115/24/2011
Right to Cure Fastfax #202511/3/200511/3/2005
Rules for Data Furnishers Regarding Accuracy and Integrity Fastfax #302612/14/200912/14/2009
Sample ARC Notice to Consumers Fastfax #305810/4/201010/4/2010
Sample Collection Notices Generally Deemed to Be in Compliance with FDCPA Fastfax #11215/25/20049/25/2013
Sample Dispute Response Letters Fastfax #30424/29/20108/5/2010
Sample Employment Background Screening Forms # 30569/7/20109/7/2010
Sample Employment Verification Templates # 306312/6/201012/6/2010
Sample Paid-In-Full Letter Fastfax # 30695/3/20115/3/2011
Sample Post-Dated Check Notice Fastfax #30393/31/20103/31/2010
Sample RCK Notice to Consumers Fastfax #305910/4/201010/4/2010
Sample TCPA Prior Express Consent Notice # 30651/27/20111/27/2011
Sample Workplace Employee Monitoring Policy Fastfax #30803/2/20123/2/2012
Security Breach Notification Chart Fastfax #30175/19/20099/13/2011
Service Charges for Returned Checks Chart Fastfax #30044/29/20085/28/2014
Service Fees for Electronic Transactions Fastfax #12192/23/20062/23/2006
Service Fees: When is a Point of Sale Sign Required? Fastfax #12161/2/20085/27/2009
Settlement Offers Fastfax #11424/5/20058/1/2014
Signatures on Negotiable Instruments: Liability for Check When Signature Differs From Account Holder Fastfax #122010/9/20037/11/2011
State Branch and Resident Office Requirements Fastfax #11608/9/20075/29/2014
State Caller ID Laws Fastfax #30673/29/20117/2/2014
State Check Chart Fastfax #300711/19/20079/11/2013
State Collection Laws: Record Maintenance Requirements and Disposal of Records Fastfax #20379/16/20049/18/2014
State Communications Chart Fastfax #30081/4/200711/27/2013
State Credit Reporting Laws Fastfax #12553/26/20088/14/2014
State Debt Collection Laws for Commercial Collectors Fastfax #20346/1/20043/21/2014
State Laws Covering First-Party (Creditor) Collections Fastfax #20446/13/20067/9/2014
State Laws Governing Oral Communication with Consumers Fastfax #20115/25/20047/2/2014
State Laws Governing the Use of Automated Dialing and Announcing Devices (ADADs) Fastfax #23085/25/20047/2/2014
State Laws Imposing Attorney Restrictions Fastax # 30684/5/20114/5/2011
State Laws Requiring First-Party (Creditor) Collectors to Provide Mini-Miranda Disclosure Fastfax #805012/12/20061/30/2012
State Licensing Requirements for Changes in Ownership Fastfax #20313/29/200610/31/2013
State Licensing Requirements for Debt Purchasers Fastfax #45531/17/20059/22/2014
State Licensing / Registration Contact Information and Fees Fastfax #11335/25/20049/22/2014
State Operational Definitions for Debt Collector and Debt Fastfax #20306/8/20047/9/2014
State Private Cause of Action Civil Penalties Fastfax # 30641/10/20111/31/2012
State Registration Requirements for Individual Collectors Fastfax #201910/30/201311/14/2013
State Requirements for Agency Relocation or Closure #30737/19/201110/31/2013
State Requirements Regarding Notice of Dishonor and Affidavit of Mailing for Check Collection Fastfax #12154/17/20067/1/2013
State Right-of-Assignment Laws Fastfax #20289/16/20047/2/2014
State Sales Tax on Services Fastfax #20396/2/20049/15/2014
State Service Fee Statutes Fastfax #12181/2/20089/11/2013
State Special Text Required Notices Fastfax #30485/10/20109/11/2014
State Special Text Statutes Fastfax #20085/25/20049/11/2014
States Requiring Review of Collection Letters Fastfax #11578/8/20072/6/2014
States That Require Collection Agencies to Prominently Display Licenses Fastfax #20426/1/20042/5/2014
Statute of Limitations on Telecommunication Charges Fastfax # 30311/11/20101/11/2010
Statute of Limitations: Effect of Partial Payments or Promises to Pay Fastfax #202611/8/20052/1/2012
Statutes of Limitation: Collecting Time-Barred Debt Fastfax #11195/25/200410/21/2014
Statutes of Limitations Fastfax #11225/25/20045/29/2014
Stop Payment Checks Fastfax #12225/22/20064/25/2012
Student Loan Reform under the Healthcare and Education Reconciliation Act #30505/17/20105/17/2010
TCPA and the Junk Fax Protection Act Fastfax #95175/25/20044/23/2012
TCPA: Caller ID Fastfax # 30663/29/201110/29/2012
TCPA: Jurisdiction #30747/19/20112/7/2012
Technology & the FDCPA Fastfax #11155/25/20043/5/2014
Telephone Consumer Protection Act (TCPA): An Overview of the TCPA and the FCC’s Regulations Fastfax #951510/13/20054/7/2014
Telephone Consumer Protection Act (TCPA): Autodialers and Prerecorded Messages Fastfax #95185/25/20044/7/2014
Telephone-Initiated Entries TEL Fastfax #120210/14/20053/14/2011
The Bank Secrecy Act # 306010/18/201010/18/2010
The Bankruptcy Code and the FDCPA Fastfax #116612/14/20078/16/2011
The Brady Decision: Disputed Debts and Credit Reporting Fastfax #11135/25/200412/12/2007
The Credit CARD Act Fastfax #30186/23/200911/9/2010
The Effectiveness of Rule 68 Offers of Judgment in Class Action Lawsuits Fastfax #20603/12/20074/25/2012
The Electronic Signatures In Global and National Commerce (E-SIGN) Act Fastfax # 302110/5/200910/5/2009
The Equal Credit Opportunity Act Fastfax #80449/22/20068/17/2010
The Servicemembers Civil Relief Act Fastfax #23125/25/200411/26/2014
Third Party Communications Fastfax # 20678/18/20094/7/2014
Trust Account Information Fastfax #20416/8/20047/1/2013
Understanding Federal Student Loans – an Overview Fastfax #11778/26/200810/5/2009
Undetermined Service Fees Fastfax #117411/21/200710/31/2012
Unfair, Deceptive or Abusive Acts and Practices Fastfax #23365/5/20145/27/2014
Uniform Commercial Code: A Summary of Relevant Sections Fastfax #20108/6/20088/6/2008
United Kingdom Debt Collection Fastfax #11715/12/20085/12/2008
Use of Aliases Fastfax #20185/26/20045/31/2012
Use of Social Security Numbers Fastfax #114011/16/20047/28/2009
Venue for Filing Suit Fastfax #20668/18/20098/18/2009
Verification of a Debt Fastfax #11265/25/20046/16/2014
Verification of a Debt: State Specific Requirements Fastfax #112712/13/20138/1/2014
Vicarious Liability for Creditors and Collectors Fastfax #20645/18/20075/18/2007
Web Addresses for the United States Court System Fastfax #116210/22/20075/6/2010
Website Collections – A New Frontier Fastfax #30558/26/20103/29/2011
With whom can debt collectors discuss a medical debt under the FDCPA and HIPAA? Fastfax #23355/30/20069/11/2012
Wrong Party Calls Under the TCPA: What the Courts are Saying Fastfax #30434/30/201010/31/2013
Wrong Party Contact Fastfax # 30455/7/201012/17/2013

List Recently Updated List All by Date

 
ACA International - 4040 W. 70th Street - Minneapolis, MN 55435