Board of Directors Elections

Council of Delegates Elections


  • ACA Board of Directors: ACA Board of Directors governs the affairs, activities and concerns of the association.
  • ACA Member Committees: ACA’s committees address important issues that impact your day-to-day operations and provide meaningful input to the Board of Directors.

Governing Documents

  • Strategic Plan: ACA International’s work is driven largely by the initiatives set forth by association members in its three-year strategic plan.
  • ACA Bylaws: The rules governing the association’s internal affairs, the ACA International Bylaws are amended from time to time with approval by the Council of Delegates. Current Bylaws effective January 2019. Amended Bylaws effective January 2021 (as amended July 14, 2020).
  • ACA Holding Company Bylaws: ACA International owns 100 percent of the stock of ACA International Holding Company Inc., a corporate structure housing the association’s taxable activities and protecting the association’s tax-exempt status. ACA International Holding Company owns 100 percent of the stock of both for-profit subsidiaries, ACA International Enterprises Inc. and Collectors Insurance Agency Inc. These are the governing rules of the holding company.
  • ACA Standard Operating Procedures (SOPs): Standard Operating Procedures are detailed, written instructions to achieve uniformity of the performance of a specific function. ACA’s SOPs may be amended from time to time with approval of the ACA Board of Directors.
  • Member Code of Conduct: Members of ACA International have committed to governing their industry activities in harmony with the ACA Code of Conduct.  Sometimes ACA receives reports of member activity alleged to be incompatible with the Code of Conduct. Such reports are reviewed by the Ethics Committee consistent with the procedures outlined in the Ethics Committee Review Rules. The review process provides opportunity for members to receive notice of the concern, examine problems, resolve disputes, and to take action when circumstances prompt change.
  • Healthcare Collection, Servicing and Debt Purchasing Practices - Statement of Principles and Guidelines: Professionals who specialize in collecting or purchasing healthcare 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 healthcare clients’ expectations.
  • Statement of Principles and Guidelines for the Sale and Purchase of Consumer Debt: A set of principles specific to the asset buying industry that establishes guidelines for business, legal and professional conduct as well as guidelines for client, consumer, vendor and colleague relationships.



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