Earn one of eight ACA designations and show your clients that you excel as a credit and collection professional.

Designations

Advance your career and show your clients and colleagues that you and your collectors have the skills and knowledge to collect effectively. Earn one of eight ACA designations that show you excel in your role as an accounts receivable management industry professional.

ACA Designations:

  • Credit and Collection Compliance Officer (CCCO)
    Designed for the advanced professional—typically a Chief Compliance Officer—the CCCO designation lets your colleagues and clients know that you have the advanced, in-depth, compliance strategy knowledge necessary to thrive in the industry.
  • Credit and Collection Compliance Professional (CCCP)
    Is part of your job devoted to compliance? This designation provides a base level of knowledge that helps you understand the significance and impact of proper compliance procedures.
  • Professional Collection Specialist Designation (PCS)
    Demonstrate to your clients that your collectors have what it takes to collect effectively and efficiently while staying in compliance with the Fair Debt Collection Practice Act.
  • Trainer Specialist (TSP)
    Do you conduct in-house training? Become an ACA Trainer Specialist and you can teach ACA’s core collector courses in your own company. Prepare your collectors for the ACA Professional Collection Specialist (PCS) Designation capstone assignment.
  • Healthcare Collection Management (HCM)
    If you work in healthcare collections, this is the designation you need. The HCM provides the training and testing necessary to measure your knowledge of healthcare requirements and professional practices in the collection industry.
  • Professional Collection Management (PCM)
    The ACA Professional Collection Management designation recognizes those individuals who have responsibility for managing collectors and the collection floor.  Individuals who want to pursue this designation must first hold the Professional Collection
  • Collection Industry Professional (CIP)
    The ACA Collection Industry Professional designation recognizes those individuals who have a management role in any part of an organization.  Individuals who want to pursue this designation must also hold the Professional Collection Specialist certificate.
  • Credit and Collection Compliance Attorney (CCCA)
    If you are an attorney with a foundation in the various consumer financial protection laws (the “CFPLs”), this CCCA program will provide you with a unique opportunity to look at how those laws come together functionally and will explore strategies for building compliance programs around the CFPLs including meaningful training programs.

Contact Information

Send your completed applications to: e-mail memberservices@acainternational.org or fax (952) 926-1624.

Professional Collection Specialist (PCS) Designation

This designation honors collectors who complete training on professional and ethical collection practices.

ACA’s Professional Collection Specialist (PCS) Designation was designed for collectors who complete training in professional and ethical collection practices. Show your clients that your collectors have what it takes to collect efficiently and effectively, while staying in compliance with the Fair Debt Collection Practices Act. See the requirements below.

A PCS designation will help your agency:

  • Increase collection rates.
  • Increase placements from clients.
  • Decrease consumer complaints.
  • Increase your collectors’ ability to overcome objections during collection calls.
  • Increase the efficiency of the collection process.
  • Improve employee recognition at your organization.

Required Courses and Exam

The first step to achieving your designation is to complete the required courses:

  • FDCPA Essentials for Collectors training, available as a Core Curriculum or a Web course.
  • Essential Collection Skills and Techniques training, available as a Core Curriculum or a Web course.

Visit the ACA Event Calendar to register for the seminars. For more information on each seminar, view our complete ACA Seminar list.

Required Exam

The next step to achieving your designation is to pass the exam:

  • Apply for and successfully pass the PCS Exam with a score of 85 percent or higher.

Ready for the exam? To purchase your exam, complete and return the Professional Collection Specialist (PCS) Exam Application by faxing it to (952) 926-1624 or save 5% by purchasing your PCS exam in  Products.

Renewal Requirements

The PCS Designation requires a three-year renewal. Complete and return the Professional Collection Specials (PCS) Renewal Form and choose from the following options to renew:

Option 1

Attend one of the following training events or seminars:

  • ACA Annual Convention
  • ACA Spring Forum
  • ACA Fall Forum
  • ACA’s FDCPA Essentials for Collectors training
  • FDCPA-related seminar
Option 2

Obtain the ACA Trainer Specialist Designation

Option 3

Retake the PCS Exam

Credit and Collection Compliance Professional (CCCP) Designation

Perfect for the professional who devotes a portion of their job function to compliance, this designation provides a base level of knowledge that will help them comprehend the significance and impact of proper compliance procedures.

Required Courses and Capstone Assignment

Required Courses

The first step to achieving your designation is to complete the required courses:

  • Ethical and Professional Collections
  • Advanced FDCPA Issues
  • Introduction to Collection Industry Compliance
  • Writing Effective Policies and Procedures

Visit the ACA Event Calendar to register for the seminars. For more information on each seminar, view our complete ACA Seminar list.

Required Capstone Assignment
  • Apply for and successfully pass the CCCP Capstone Assignment with a score of 85 percent or higher.

Ready for the Capstone Assignment? To purchase your assignment, complete and return the Credit and Collection Compliance Profesional (CCCP) Capstone Assignment Application by faxing it to (952) 926-1624.

Renewal Requirements

The CCCP Designation requires an annual renewal.

Option 1

Attend one of the following ACA Events:

  • ACA Annual Convention
  • ACA Spring Forum
  • ACA Fall Forum
  • Washington Insights
Option 2
  • Attend two ACA Compliance-Related Webinars

Download the Credit and Collection Compliance Professional Renewal Form for more information.

Credit and Collection Compliance Officer (CCCO) Designation (Advanced Level)

Designed for the advanced professional, typically a Chief Compliance Officer, this designation provides an in-depth range of knowledge on compliance strategy in the debt collection industry.

Required Courses and Capstone Assignment

The first step to achieving your designation is to complete the required courses:

  • Advanced Compliance: Conducting a Risk Assessment
  • Advanced Compliance: Controls and Corrective Actions
  • Data Security and Privacy I
  • Ethical and Professional Collections
  • Advanced FDCPA Issues
  • Duties of Data Furnishers Under the FCRA
  • Understanding and Responding to the CFPB's Expectations
  • Writing Effective Policies and Procedures

Visit the ACA Event Calendar to register for the seminars. For more information on each seminar, view our complete ACA Seminar list.

Required Capstone Assignment

Apply for and successfully pass the CCCO Capstone Assignment with a score of 85 percent or higher.

Ready for the Capstone Assignment? To purchase your assignment, complete and return the Credit and Collection Compliance Officer (CCCO) Capstone Assignment Application by faxing it to (952) 926-1624.

Renewal Requirements

The CCCO Designation requires an annual renewal.

Option 1

Attend one of the following ACA Events:

  • ACA Annual Convention
  • ACA Spring Forum
  • ACA Fall Forum
  • Washington Insights
Option 2
  • Attend four ACA Compliance-Related Webinars

Download the Credit and Collection Compliance Officer Renewal Form for more information.

Healthcare Collection Management (HCM) Designation

The Healthcare Collection Management designation provides training and testing to measure knowledge of healthcare requirements and professional practices in the collection industry.

Required Courses and Exam

Required Courses

The first step to achieving your designation is to complete the required courses:

  • Healthcare Collection Management
  • Data Security and Privacy I
  • Ethical and Professional Collections

Visit the ACA Event Calendar to register for the seminars. For more information on each seminar, view our complete ACA Seminar list.

Required Exam
  • Apply for and successfully pass the HCM Exam with a score of 85 percent or higher.

Ready for the exam? To purchase your exam, complete and return the Healthcare Collection Management (HCM) Exam Application by faxing it to (952) 926-1624.

Renewal Requirements

The HCM Designation requires a three-year renewal.

Option 1

Attend one of the following ACA Events:

  • ACA Spring Forum
  • ACA Fall Forum
Option 2
  • Attend four ACA Healthcare-Related online programs.

Download the Healthcare Collection Management (HCM) Renewal Form for more information.

Trainer Specialist (TSP) Designation

Earning the Trainer Specialist designation allows you to teach the ACA core collector courses at your own organization. Prepare your collectors to be ready to take the ACA Professional Collection Specialist certificate exam through in-house seminars that you are trained to conduct.

Required Courses and Exam

Required Courses

The first step to achieving your designation is to complete the required courses:

  • FDCPA Essentials for Collectors training, available as an online seminar or a Web course.
  • Essential Collection Skills and Techniques training, available as an online seminar or a Web course.
  • Trainer Specialist Online Seminar

Visit the ACA Event Calendar to register for the seminars. For more information on each seminar, view our complete ACA Seminar list.

Required Exam

Apply for and successfully pass the TSP Exam with a score of 90 percent or higher.

Ready for the exam? To purchase your exam, complete and return the Trainer Specialist Exam Application by faxing it to (952) 926-1624.

Renewal Requirements

The TSP Designation requires a three-year renewal.

Individuals that hold the Trainer Specialist designation are required to renew their designation every three years. To renew, trainers must teach both the ACA FDCPA Essentials for Collectors and the Essential Collection Skills and Techniques seminars at their organization two times within three years and take and pass the Trainer exam with a score of 90% or higher

Download the Trainer Specialist Renewal Form for more information.

Professional Collection Manager (PCM) Designation

Professional Collection Management (PCM)

The ACA Professional Collection Management designation recognizes those individuals who have responsibility for managing collectors and the collection floor.  Individuals who want to pursue this designation must first hold the Professional Collection Specialist Certificate.

Required Courses:           

The first step to achieving your designation is to complete the required courses:

  • Managing the Collection Floor
  • Effective Performance Management
  • Building High Performing Teams
  • Exceptional Leadership
  • Successful Hiring Strategies
  • Introduction to Collection Industry Compliance

Visit the event calendar on ACA’s website to learn more or to register for the web courses.

Renewal Requirements:

Renewal is every three years.  The renewal requirements include the completion of an advanced FDCPA issues course and the earning of 4.5 PDUs in the three-year period after the designation is obtained.

Invest in your professional development!

Collection Industry Professional (CIP) Designation

Collection Industry Professional (CIP)

The ACA Collection Industry Professional designation recognizes those individuals who have a management role in any part of an organization.  Individuals who want to pursue this designation must also hold the Professional Collection Specialist certificate.

Required Courses:           

The first step to achieving your designation is to complete the required courses:

  • Effective Performance Management
  • Building High Performing Teams
  • Exceptional Leadership
  • Successful Hiring Strategies
  • Introduction to Collection Industry Compliance

Visit the event calendar on ACA’s website to learn more or to register for the web courses.
 

Renewal Requirements:

The renewal requirements for the Collection Industry Professional are the same as the Professional Collection Management designation.

Invest in your professional development!

Credit and Collection Compliance Attorney (CCCA)

If you are an attorney with a foundation in the various consumer financial protection laws (the “CFPLs”), this CCCA program will provide you with a unique opportunity to look at how those laws come together functionally and will explore strategies for building compliance programs around the CFPLs including meaningful training programs.

The five bodies of knowledge highlighted in this dynamic program include the following:

  • Fundamental and practical understanding of consumer financial protection (CFP) laws - through lens of activities undertaken in regard to credit and collections
  • Assessing existing and emerging technologies relative to CFP laws
  • Transactional implications of being a vendor who engages vendors
  • Working knowledge of FCC, FTC and CFPB enforcement priorities, including UDAAPS
  • Public speaking, practical interpretations of CFP laws for non lawyers

Compliance officers are also welcome to attend the Credit and Collections Compliance Attorney Credentialing Program to earn 6 PDUs, which can be applied to renew your Collection Compliance Professional (CCCO) designation.