ACA Compliance

Resources to Help Members Comply with Federal and State ARM Laws

The accounts receivable management (ARM) industry legal and regulatory landscape is complex and constantly changing. ACA’s compliance team helps members navigate and understand the myriad statutes, regulations, policies, and judicial decisions that shape ARM-relevant business operations by monitoring, researching, and analyzing laws and court decisions that affect the industry.

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ACA SearchPoint®: A Comprehensive Compliance Library at Your Fingertips

Search. Point. Done. Access more than 200 white papers developed in-house by ACA’s compliance team on a range of industry-relevant topics.

Daily Decision: Summaries of ARM-Relevant Legal Decisions

ACA’s compliance team monitors and summarizes legal decisions to help members stay abreast of the judicial interpretation and application of industry-relevant laws.

FDCPA Compliance Center

Tools to help you comply with the Fair Debt Collection Practices Act (FDCPA), including Regulation F resources. Read the text of the act and Reg F, as well as critical agency interpretations; dive into articles breaking down the statute and the rule; listen to replays of ACA’s members-only Reg F Huddle series; purchase our FDCPA guide and Reg F learning management tool; and more.

TCPA Compliance Center

Resources to help you understand and comply with the federal Telephone Consumer Protection Act (TCPA). Review the text of the act and related federal regulations, explore correlative state laws and regulations, and access other content addressing TCPA and related telephonic considerations.

FCRA Compliance Center

Tools to help you comply with the Fair Credit Reporting Act (FCRA) and related federal regulations, as well as state laws.

ACA Compliance Guides

Guides Covering the FDCPA, TCPA, FCRA, and State Collection Laws

ACA’s compliance team maintains comprehensive guides available at a discount to members. ACA’s guides to the FDCPA, TCPA, and FCRA include relevant statutory and regulatory law and judicial decisions. ACA’s State Guide contains a curated collection of ARM-relevant state laws and related materials that impact debt collection and business operations. ACA’s compliance team updates the electronic version of State Guide once a month, with updated print versions available quarterly.

Compliance FAQs

Frequently asked questions about compliance. If you don’t see the answer to your question here, please review the ACA SearchPoint document library or send a message to the Compliance Help Desk.

Sample Documents

ACA’s sample compliance documents address federal compliance requirements but not state law issues. ACA does not review individual agency notices and cannot offer advice as to whether a specific collection notice complies with federal or state law.

Three collection letters are presented, including variations for supporting documentation.

Three paid-in-full letters are presented, including variations for supporting documentation.

Used when a physical check is presented and returned due to insufficient funds (NSF). A merchant or collection agency must provide notice to the consumer that they are going to represent the check before the check is received.

Sample prior express consent notice for collectors to place autodialed and prerecorded messages to a consumer’s wireless number.

The 11 samples in this document provide a starting point for collectors to tailor their responses to consumers’ disputes.

Demonstrates what to include in a post-dated check notice, which is required by the FDCPA.

Safe harbor language provided by Regulation E may be used to comply with notice requirements a merchant must send before changing a check into an electronic debit transaction.

Compliance Help Desk

Don’t see the information you need on any of our other compliance webpages? ACA’s Compliance Team stands ready to answer members’ questions via our Compliance Help Desk.

Note: It may take up to five business days to receive an answer. ACA cannot provide legal advice, including interpretations of ambiguous law or advice on specific fact patterns. For legal advice, members should contact independent legal counsel. Members may additionally post questions on The Hub for online discussions with their peers or contact an ACA State Attorney Chair for guidance on obtaining legal advice.

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