ACA SearchPoint®: A Comprehensive Compliance Document Library

Critical Compliance Information at Your Fingertips

ACA gives members access to a complete library of compliance resources, covering topics important to running your business. Members can locate ACA SearchPoint documents by keyword(s) or document # using the search bar.

Search Documents

 1099-Cs: Reporting Discharges of Indebtedness #2324

 501(r) Final Regulations for Charitable Hospitals #6258

 Acceptance of Credit Cards by Collection Agencies #9510

 Accord and Satisfaction #2303

 ACH Network Overiview: TEL Entries #1202

 ACH Network Overview: Accounts Receivable Entries (ARC) #1204

 ACH Network Overview: POP Entries #1200

 ACH Network Overview: RCK Entries #1201

 ACH Network Overview: WEB Entries #1203

 Adding Collection Costs to Educational Debts #2068

 Adding Fees to Debts #8000

 Address Discrepancy Requirements #1517

 Adverse Action Notification Requirements Under the FCRA #1176

 Age of Majority #1153

 Agency Names #1134

 Are Collection Notices Required to be Sent by First Class Mail? #1143

 Are State Law Violations Also FDCPA Violations? #3054

 Attorney Collection Notices #3082

 Attorney Communications and the FDCPA #1169

 Attorney Involvement and the FDCPA #2055

 Attorney Representation: Reasonable Period of Time #1138

 Bankruptcy and Co-signers #3035

 Bankruptcy and Pre-Petition Checks #1175

 Bankruptcy and Spouses #2338

 Bankruptcy: Notice to Creditors #2322

 Bankruptcy: Redemption #2321

 Bona Fide Error Defense #1129

 Buying Receivables #4551

 Call Baiting – What Collectors Should Know #3077

 Caller ID Issues #1168

 Can I Collect on a Holiday? #1111

 Can Knowledge be Imputed to a Debt Collector? #2344

 Canada: Alberta Collection Laws #2502

 Canada: British Columbia Collection Laws #2503

 Canada: Manitoba Collection Laws #2504

 Canada: New Brunswick Collection Laws #2505

 Canada: Newfoundland and Labrador Collection Laws #2506

 Canada: Northwest Territories Collection Laws #2507

 Canada: Nova Scotia Collection Laws #2508

 Canada: Nunavut Collection Laws #2509

 Canada: Ontario Collection Laws #2510

 Canada: Prince Edward Island Collection Laws #2511

 Canada: Quebec Collection Laws #2512

 Canada: Saskatchewan Collection Laws #2513

 Canada: Yukon Collection Laws #2514

 Canadian Licensing Chart #3006

 Cease Communication Requests #1136

 Charging Medicare Beneficiaries Extra Fees #3041

 Check 21 Act #3049

 Check Verification and the Fair Credit Reporting Act #4001

 Child Support Collections #3072

 Choice of Law Issues in the Check Collection Industry #4007

 Class Certification #2050

 Collecting After Filing Form 1099-C #2340

 Collecting Debts Online #1207

 Collecting From Home – What Your Agency Should Know #1301

 Collecting from Minors #1254

 Collecting From the Deceased #2061

 Collecting Medicare v. non-Medicare Debt #3037

 Collection Efforts During the 30-day Validation Period #1172

 Commercial Collection Regulations: State Summary #2029

 Common Law and Community Property States #1151

 Commonly Asked Questions About “Closed” States and Collection Activity #2000

 Communicating with Consumers via E-mail #2332

 Communicating with Debt Settlement Companies #3002

 Contacting Neighbors and other Third Parties–State Restrictions #2017

 Continuous Violations Doctrine #2345

 Cooperating with Law Enforcement Agents #2342

 Courts Analyze Addition of Writing Requirement #2331

 Credit Grantors and the FDCPA #8004

 Credit Reporting Medical Accounts #1515

 Creditors and Identity Theft #2053

 Data Furnisher Responsibilities under the FCRA Regarding Consumer Disputes from Consumer Reporting Agencies #1526

 Date of Delinquency Reporting Requirements #1510

 Debt Collection in the United Kingdom #1171

 Debt Collectors and Identity Theft #8043

 Debts Incurred After Filing Bankruptcy #2339

 Direct Disputes from Consumers to Data Furnishers under FCRA #1522

 Discharging Student Loans through Bankruptcy #8051

 Disputes- FDCPA and FCRA #3014

 Doctrine of Necessaries #2036

 Dual Purpose Calls Under the Telephone Consumer Protection Act #9520

 Duty to Screen for Bankruptcy #1156

 Employment Verification: When is it Permitted? #1135

 Envelopes and the FDCPA #1155

 Fair Credit Reporting Act: Relation to State Laws #1518

 FAQs on the CFPB NPRM #1125

 FCRA Disposal Rule in Effect #1525

 FCRA Identity Theft Provisions: Blocking Information Resulting From Identity Theft #1521

 FCRA Identity Theft Provisions: Fraud Alerts and Active Duty Alerts #1513

 FCRA Regulations Requiring Implementation of Identity Theft Prevention Program #1250

 FCRA Truncation Requirements: Credit and Debit Cards and Social Security Numbers #1514

 FDCPA Notification Requirements for Post-dated Checks and Other Recurring Post-dated Instruments #4011

 Federal and State Law Issues for Debt Purchasers #4552

 Federal and State Mini-Miranda Disclosure #1145

 Financial Institutions’ Duty under the FCRA to Provide Consumers with Notice of Furnishing Negative Information #1519

 Frequency of Collection Calls: What Constitutes Harassment? #2333

 FTC Advisory Opinion Regarding Cease Communication and Responding to Disputes #3020

 FTC Final Policy Statement Regarding Collection of Decedents’ Debts # 3076

 Garnishment #3022

 Garnishment: Federal and State Exemptions #3023

 GLBA and Higher Education #2260

 GLBA Notices and the FDCPA: Possible FDCPA Violations #3027

 GLBA Privacy Rule #2257

 Gramm-Leach-Bliley-Act (GLBA) – Safeguards Rule #2255

 Handling Consumer Payments #2006

 Health Care Collections and Third Party Communications #2335

 HIPAA for Business Associates – An Overview #2065

 Hospital Billing and Collection Practices #2805

 In-Person Collections #1167

 International Collections and the FDCPA #1117

 Interstate Chart #3005

 Is the Lack of State Licensure a Violation of the FDCPA? #1152

 Itemization of Collection Notices #1251

 Leaving Messages for Consumers #1146

 Legal Issues for Repossession Agents #3052

 Letter Requirements: Colors, Fonts and Double-Sided Notices #3024

 Letter Requirements: Validation Notice #1148

 Leveraging Attorneys’ Rules of Professional Conduct and Rules of Professional Responsibility to Address Frivolous Litigation # 3061

 Liability for Violations of the FDCPA #3078

 Licensing and Collection Laws for Commercial Collectors #2034

 Manager Requirements #2035

 Medical Debts – Statutes of Limitation and Interest #1158

 Mexico Debt Collection #3062

 Mortgage Deficiency Balances after Foreclosure #3000

 Multiple Agencies or Creditors Collecting on the Same Account #1147

 Multiple States’ Special Text in a Single Collection Letter #1141

 National Do Not Call Registry: Its Effect on the Credit and Collection Industry #9516

 Natural Disasters #3010

 Notification of Filing Form 1099-C #3071

 Offshore Outsourcing #1257

 Overview of PADDs, EFTs and ACH Transactions #4015

 Overview of the ACH Network #4013

 Overview of the Consumer Financial Protection Bureau #3057

 Patient Protection and Affordable Care Act – What it Means for the Collection Industry #3084

 Payday Loans, State Laws and Restrictions #2038

 Payment Card Data Security #1173

 Payment Transaction Fees #4006

 Permissible Purposes under the FCRA #1154

 Political Campaigns and the use ADADs #3038

 Pre-Collect, Billing and the FDCPA #1114

 Private Right of Action under FCRA § 615 #2052

 Private Student Loan Disclosure Requirements #3036

 Recording Conversations #2027

 Regulation E #2330

 Regulation FF – Fair Credit Reporting Act Medical Information Regulations #1527

 Reportable Information #3001

 Reporting Commercial Debt on a Consumer’s Credit Report #1528

 Return Fee Entries via the ACH Network #3070

 Right to Cure #2025

 Rules for Data Furnishers Regarding Accuracy and Integrity #3026

 Service Charges for Returned Checks Chart #3004

 Service Fees: When is a Point of Sale Sign Required? #1216

 Settlement Offers #1142

 Signatures on Negotiable Instruments: Liability for Check When Signature Differs From Account Holder #1220

 State Branch and Resident Office Requirements #1160

 State Caller ID Laws #3067

 State Check Chart #3007

 State Collection Laws: Communication with Spouses #2040

 State Communication Chart #3008

 State Credit Reporting Laws #1255

 State Interest Rates #2015

 State Laws Covering First-Party (Creditor) Collections #2044

 State Laws Governing Oral Communication with Consumers #2011

 State Laws Governing the Use of Automated Dialing and Announcing Devices (ADADs) #2308

 State Laws Imposing Attorney Restrictions Fastax #3068

 State Laws Requiring First-Party (Creditor) Collectors to Provide Mini-Miranda Disclosure #8050

 State Licensing and Registration Contact Information and Fees #1133

 State Licensing Requirements for Changes in Ownership #2031

 State Licensing Requirements for Debt Purchasers #4553

 State Operational Definitions for Debt Collector and Debt #2030

 State Private Cause of Action Civil Penalties #3064

 State Record Maintenance Requirements #2037

 State Registration Requirements for Individual Collectors #2019

 State Requirements for Agency Relocation or Closure #3073

 State Requirements Regarding Notice of Dishonor and Affidavit of Mailing for Check Collection #1215

 State Right-of-Assignment Laws #2028

 State Service Fee Statutes #1218

 State Special Text Required Notices #3048

 State Special Text Statutes #2008

 States Requiring Review of Collection Letters #1157

 States That Require Collection Agencies to Prominently Display Licenses #2042

 Statute of Limitations on Telecommunication Charges #3031

 Statute of Limitations: Effect of Partial Payments or Promises to Pay #2026

 Statutes of Limitation: Collecting Out-of-Statute Debts #1119

 Statutes of Limitations #1122

 Stop Payment Checks #1222

 Student Loan Consumers’ Rights #2063

 Student Loan Reform under the Healthcare and Education Reconciliation Act #3050

 TCPA and the Junk Fax Protection Act #9517

 TCPA: Caller ID #3066

 TCPA: Jurisdiction #3074

 Technology & the FDCPA #1115

 Telephone Consumer Protection Act (TCPA) Definition of Autodialer #9512

 Telephone Consumer Protection Act (TCPA): An Overview of the TCPA and the FCC’s Regulations #9515

 Telephone Consumer Protection Act (TCPA): Autodialers, Prerecorded Messages and Consent #9511

 The Bank Secrecy Act #3060

 The Bankruptcy Code and the FDCPA #1166

 The Credit CARD Act #3018

 The Effectiveness of Rule 68 Offers of Judgment in Class Action Lawsuits #2060

 The Electronic Signatures In Global and National Commerce (E-SIGN) Act #3021

 The Equal Credit Opportunity Act #8044

 The Pintos Decision and Permissible Purposes #1163

 The Servicemembers Civil Relief Act #2312

 Third Party Communications # 2067

 Trust Account Information #2041

 Understanding Federal Student Loans – an Overview #1177

 Understanding the Military Lending Act #8047

 Undetermined Service Fees #1174

 Unfair, Deceptive or Abusive Acts and Practices #2336

 Uniform Commercial Code: A Summary of Relevant Sections #2010

 Use of Aliases #2018

 Use of Social Security Numbers #1140

 Venue for Filing Suit #2066

 Verification of a Debt #1126

 Verification of a Debt: State Specific Requirements #1127

 Website Collections – A New Frontier #3055

 Wrong Party Contact #3045