Federal Issues

The current list of ACA's legislative and regulatory priorities.

The credit and collection industry is strictly regulated by existing and overlapping federal laws and regulations. New legislative and regulatory proposals are introduced each year that could change these guidelines and drastically impact the way the industry operates.

The following issues are those of greatest concern to ACA International and its members:

• U.S. House Passes ACA-Supported Gramm-Leach-Bliley Reforms
• ACA International's Comment to the FTC Regarding Protecting Consumers in Debt Collection Proceedings
• Windy City Hosts Heated Discussions of Litigation and Arbitration at FTC Roundtable
• ACA Fly-In Gains Record Member Participation
• House Subcommittee Holds Hearing on Debt Collection Arbitration
• Employee Free Choice Act: Eliminating the Balance Between Organized Labor and Employers
• Fair Debt Collection Practices Act (FDCPA): Updating the Law
• Fair Credit Reporting Act (FCRA): Ensuring Necessary Access to Consumer Reports
• Telephone Consumer Protection Act (TCPA): Promoting Consumer Choice
• Arbitration Fairness Act: Eliminates Choice and Financially Burdens Consumers and the Court System
• Gramm-Leach-Bliley Act (GLBA): Eliminating Unnecessary Privacy Notice Requirements
• Bankruptcy Reform: Notice to Third-Party Debt Collectors
• Data Security and Privacy/Use of Personal Identifiers and Social Security Numbers
• Garnishment: Ensuring Identification of Exempt Funds
• Internal Revenue Service 1099-C Reporting Requirements