CFPB Advocacy Center
Guidance for Your Advocacy Efforts
ACA advocates at the Consumer Financial Protection Bureau (CFPB) and with multiple stakeholders in pursuit of well-reasoned rules and requirements that provide clarity to both the accounts receivable management (ARM) industry and consumers about what is required. ACA provides extensive resources and certifications to its members using CFPB rules and resources as a major part of its training materials. ACA has also collaborated with the CFPB to provide financial literacy materials directly to consumers.
Below is a continually updated repository of CFPB-related materials. Log In to view them.
Alliance ACA
Alliance ACA
CFPB News
29 November 2022
ACA International Leads Advocacy Against NCLC Petition for Rulemaking on Medical Debt Credit Reporting
The NCLC petitioned the CFPB to create a rule banning medical debts from...
28 November 2022
Next on the ACA Huddle: Reg F One Year Later – Trends
On the Nov. 28 ACA Huddle, industry professionals Jack Gordon, Katherine...
23 November 2022
ACA Updates SearchPoint® Document on Payment Transaction Fees
Changes reflect the CFPB’s recent guidance on fees. 11/23/2022 1:50 P.M....
22 November 2022
FCC Finalizes Order on Ringless Voicemails as Calls Under TCPA
The FCC’s order requires prior express consent from consumers to use ringless...
22 November 2022
From the Web: CFPB Policy Agenda Expected to Face Scrutiny in House
Republican-controlled House of Representatives and House Financial Services...
21 November 2022
CFPB Creates Portal for Government Entities to Access Consumer Complaints
Data from the Consumer Complaint Database is available, plus users can...
21 November 2022
ACA In Your Corner: Helping Members Succeed in Advocacy and Education
What is ACA working on right now? Here’s a recap of our recent projects...
17 November 2022
CFPB Supervisory Highlights Report Tackles Inaccurate Credit Reporting and COVID-19 Relief Mishandlings
The report largely focuses on credit reporting, mortgage servicing and...
15 November 2022
ACA International Responds to CFPB’s Petition to the U.S. Supreme Court on Constitutionality
ACA has long advocated for the bureau’s funding to be through the congressional...
15 November 2022
Member Alert: CFPB Takes Case Challenging Funding Structure to the U.S. Supreme Court
The bureau says the 5th Circuit Court of Appeals erred in its ruling that...
14 November 2022
CFPB Finalizes Rule on Nonbank Supervisory Authority
The CFPB rule includes clarifications on standards for releasing supervisory...
10 November 2022
Latest CFPB Guidance in ‘Circular’ Covers Dispute Investigations
The bureau’s circular—part of an enforcement strategy—outlines FCRA requirements...
08 November 2022
House Committee on Small Business GOP Advances Oversight on Regulatory Burden for Small Businesses
Committee leaders requested updates from several regulators, including...
03 November 2022
CFPB Publishes 3 Millionth Complaint in Consumer Complaint Database
ACA International continues to advocate for better contextualization of...
02 November 2022
ARM Industry Claims Plummeted in September
Litigation dramatically decreased for the FDCPA, TCPA and FCRA, as well...
02 November 2022
Fifth Circuit & the CFPB: Member Takeaways
Now that a circuit court has ruled the CFPB’s funding structure is unconstitutional,...
28 October 2022
CFPB Proposes New Approach to Market Regulation to Promote Competition
The rule will activate a dormant authority under Section 1033 of the Consumer...
27 October 2022
CFPB Responds to 5th Circuit’s Decision—But in a Different Case
Several groups with pending enforcement actions from the CFPB are challenging...
26 October 2022
CFPB Doubles Down on Payment Transaction Fee Enforcement
The bureau has issued a circular and compliance bulletin on “junk fee”...
26 October 2022
CFPB Advisory Opinion on False Credit Reporting in Effect
The advisory opinion covering requirements under the Fair Credit Reporting...
26 October 2022
5th Circuit’s CFPB Decision Brings Challenges to Enforcement Actions
Several groups argue that the bureau’s enforcement actions, filed while...
20 October 2022
ACA International Responds to Court Decision on CFPB Funding Structure
ACA has long advocated for the bureau’s funding to be through the congressional...
20 October 2022
CFPB Issues Advisory Opinion on False Credit Reporting
The advisory opinion covers requirements under the Fair Credit Reporting...
20 October 2022
Member Alert: Appeals Court Rules CFPB Funding Structure is Unconstitutional
The court says the funding through the Federal Reserve violates the U.S....
19 October 2022
House Subcommittee in Congress Calls for Investigation into the Three Major Credit Reporting Agencies
U.S. Rep. James Clyburn has called on the CFPB to investigate Equifax,...
17 October 2022
CFPB Report Reveals Trends in Fees Charged on College-Endorsed Student Banking Products
Colleges and financial companies may be directing students toward more...
14 October 2022
Court Finds Reg F Does Not Require Debt Collectors to Use Model Validation Notice
Federal district court issues a first-in-the-nation decision about the...
14 October 2022
From the Web: Fintechs Warned to Be Ready for CFPB Scrutiny
Attorneys from Debevoise & Plimpton warn financial technology companies...
14 October 2022
CFPB Scales Back No-Action Letters and Compliance Assistance Sandbox Policies
The policies allowed companies to test certain processes and products without...
07 October 2022
ARM Industry Claims Increase Across the Board in August
August litigation rebounded with double-digit increases for the FDCPA,...