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. The designations require either a traditional exam or Capstone assignment to test your knowledge.

What is the Capstone assignment and how will it be graded?

In early 2018, ACA implemented a new approach to assessing retention of curriculum material with the introduction of our Capstone Assignments for most designations (does not include PCS, TSP, or HCM at this time).  NEW designee candidates will be assessed using a comprehensive practical exam rather than a multiple-choice test. Those renewing their designations will not need to complete a Capstone. There is generally one question per each required course in the designation. Rubrics have been developed to standardize grading on the following expectations: (1) Prepare full & complete responses to each question; (2) Reference program-specific vocabulary and offer real life examples of problems and solutions; (3) Demonstrate knowledge of desired or expected outcomes and the critical elements outlined in each course based on your own industry experiences. Our goal is to see everyday application of the information. Capstone exams are graded by a set of senior Certified Instructors, most of whom teach the core curriculum courses.  Upon submission of exams, results will be rendered within 14 days.

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 FDCPA Essentials for Collectors and Essential Collection Skills and Techniques in your own company and prepare your collectors for the ACA Professional Collection Specialist (PCS) Designation examination.
  • 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

To achieve this designation, complete the required courses:

  • FDCPA Essentials for Collectors (available in self-paced and instructor-led formats);
  • Essential Collection Skills and Techniques (available in self-paced and instructor-led formats);
  • Trainer Specialist Seminar (instructor-led webinar or workshop).
  • 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.

All course and exam requirements must be completed within a two-year timeframe to receive your initial TSP designation.

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.

Required Courses

Keep Calm & Prevent UDAAP

How well can your team spot Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)? What about your network of partners? This course will review established federal guidelines for UDAAP and prepare you to develop a UDAAP risk management plan that encompasses your business and shared compliance obligations with clients and service providers. This course will prepare participants to:

  • Define UDAAP based on guidance provided by the Bureau of Consumer Financial Protection (BCFP) and other federal regulators;

  • Identify potential UDAAP risks and harm from the consumer’s perspective.

  • Integrate UDAAP into a CMS with regard to Board and Management Oversight and other controls as required by the BCFP and;

  • Develop a UDAAP risk assessment plan for service provider and client oversight.

Vendors and Your Compliance Management System

Selecting, managing, and doing business with vendors and other service providers who are compliant with applicable state and federal consumer financial protection laws is an essential part of any responsible compliance management system.  This course lays the groundwork for reviewing your vendor management program and updating it to meet these important compliance objectives. This course will prepare participants to:

  • Identify state and federal regulatory expectations for managing compliance risks—including Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)— associated with third-party service provider relationships.

  • Conduct due diligence to assess whether or not outside vendors are capable of complying with applicable federal and state consumer financial protection and other key laws before entering into a business arrangement.

  • Establish internal controls and on-going monitoring activities to assess third-party vendor compliance with consumer financial protection and other key laws.

  • Incorporate risk management, controls, and monitoring/audit activities for third-party vendors into your overall Compliance Management System (CMS).

Vetting Technology Vendors 10 Essential Steps

In this dynamic environment in which technology solutions are available to improve the quality and efficiency of your operations, how do you vet potential technology vendors? Key questions arise about what risks to consider along with the rewards associated with these technology options.  Knowing your alternatives and making sound business choices sometimes requires learning how these technology options work in your unique work environment.   This course explores steps to take to assure you are not inadvertently sacrificing compliance for convenience – even if simply by asking the right questions of potential vendors. This course will prepare participants to:

  • Assess the potential risks of each vendor’s technology solution to your organization, clients, and customers.

  • Develop pre-purchase and ongoing due diligence evaluation strategies that address compliance and legal expectations regarding consumer financial protection (and other applicable) laws. 

  • Create and maintain an inventory of your third-party technology vendors and their associated processes for security incident/breach notification requirements.

  • Incorporate risk management, controls, and monitoring/audit activities for technology vendors into your overall Compliance Management System (CMS).

Credit & Collections Compliance Attorney Workshop

Advanced compliance is about threading the compliance needle: compliance artifacts, monitoring, incident and complaint handling and methods to track and evaluate performance while managing change and projects. Putting together the consumer financial protection legal pieces based upon oversight of the dynamic components of your CMS. Also, using your influence and feedback to impact your workforce and getting them on board with your “why?”

Required Capstone Assignment

  • Apply for and successfully pass the CCCA 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 Attorney (CCCA) Capstone Assignment Application by faxing it to (952) 926-1624.

Renewal Requirements

Information coming soon.

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