November 3-5, 2021

The Fall Forum is a signature Chicago-based ACA event bringing members together for a final gathering to recap the year and look forward to the next. Join us at the Hyatt Regency Chicago for three tracks of education featuring:

Education Tracks

REGULATION F
Regulation F is drastically changing the way we do business. In response, ACA International is going to utilize Fall Forum as opportunity to share best practices and provide collaboration around this timeliest of topics.

Health Care Collections
Hone your health care collection strategy by attending timely and future-focused industry-specific topics. Join colleagues to explore effective methods to operate more effectively in the health care space. 

LEGAL Education (CLE)
This track will feature education created by attorneys, for attorneys. Attendees of this track will be able to earn CLE credits. We are particularly looking for innovative, creative, timely and industry specific topics that might highlight a particular area of expertise. What do you think your industry colleagues need to know to do their jobs more effectively? What is happening now or on the horizon that needs to be on every lawyer’s educational menu of critical topics? Proposed topics that qualify for ethics CLE credits are encouraged.

Welcome & Keynote Chairman Tom Emmer (R-MN)

Chairman Tom Emmer successfully served as the leader of the National Republican Congressional Committee for the 116th Congress and was elected again for the 117th Congress.  He has been a champion for small business and opponent of regulatory overreach and will provide thought and perspective on issues impacting the financial services industry. Mr. Emmer will provide an update on the 2021 special election results, as well as an outlook for the next election and the remainder of this Congress. Don’t miss this important update about critical issues impacting the ARM Industry!

ACA is applying for CLE credits for the legal education track sessions for all requested states for registration submitted by Friday, October 1st. There is no guarantee that all states will approve CLEs.
Please note that CLEs are available only to ACA members and that ACA’s program does not qualify for CLEs in Utah.

Women's Workshop

9:00 AM - 4:00 PM Session Details

Connect. Motivate. Inspire. Learn.

The first-ever ACA Women’s Workshop is a goal-centered, engaging experience for women at every level of an organization. This one-day event, held in conjunction with ACA’s Fall Forum, offers incredible opportunities for business networking, career empowerment, and personal growth.

Empower and be empowered! This event will focus on identifying and overcoming challenges unique to women in the ARM industry. Whether it is influence, resilience, or building strong professional relationships, participants will gain skills that will build them up and increase their confidence allowing them to rise to any challenge and ultimately overcome any obstacle set in front of them.

Members: $399 Members | Nonmembers $649
Save $100 by combining with your Fall Forum registration!
To register for just the Women's Workshop without Fall Forum, visit https://www.acainternational.org/events/women2021.

This Event is sponsored by:

Exhibitor Setup

3:00 PM - 4:30 PM Session Details

Registration Open

3:00 PM - 6:30 PM Session Details

Sponsored by

Welcome Reception in Expo Hall

5:00 PM - 7:00 PM Session Details

Sponsored by

Registration Open

7:00 AM - 4:00 PM Session Details

Sponsored by

Continental Breakfast in Expo Hall

7:45 AM - 8:30 AM Session Details

Welcome & Keynote Chairman Tom Emmer (R-MN)

8:30 AM - 9:15 AM Session Details

Morning Break in Expo Hall

9:15 AM - 10:10 AM Session Details

Sponsored by

(Legal) - The Flipside of Record Retention – Data Destruction, and Why You Should Let It Go! Let it Go!

10:00 AM - 11:00 AM Session Details

(Members Only) Data is everywhere – we're practically swimming in it. Data is beneficial in the credit and collections business. Since it's often easier and cheaper to keep electronic records than to dispose of them, many companies archive everything indefinitely. But there comes the point where too much of it isn't a good thing. Join us as we explore the flipside of record retention – data/record destruction and why it is essential to follow a regular destruction schedule. We'll also explore related topics, such as considerations when designing a destruction procedure, best practices for storing data, and tips for protecting records with privilege.

(Regulation F) - Managing Client Communications

10:10 AM - 11:00 AM Session Details

(Regulation F) - Making Your List, Checking it Twice: Compliant Communications Under Reg F, TCPA and Traced Act

11:10 AM - 12:00 PM Session Details

The CFPB Reg F imposes new call limitations, i.e., the 7-7-7. The FCC December 30, 2020 Order in line with the TRACED Act also sets further call restrictions for certain calls. Individual States also impose their call limitations. The new proposed Limited Content Message can cause additional complications if not executed correctly. And, what about those prerecorded messages? And, how does the TCPA impact all of your calling strategies under the new rules? Learn real-world compliance practices regarding call limitations as to all rules, how to harmonize all statutory call limitations, and learn strategies to maximize communications with consumers in conformity with all of the new rules.

(Health Care) - Reg. F and Multiple Medical Accounts: Your Questions Answered

11:10 AM - 12:00 PM Session Details

How do you grapple with multiple medical accounts from the same provider under Reg F? What about the Model Validation Notice? Call Frequency? Credit Reporting? All of your questions will be answered by this star-studded panel of experts.

(Legal) - The Ethical Art of Persuasion

11:10 AM - 12:10 PM Session Details

(Members Only) Improve your chances of successfully persuading judges, juries, and clients by better understanding how people make decisions and what motivates them. This session draws on scientific research to illustrate how you can ethically influence people to see things your way while still complying the applicable rules of professional conduct. This session provides practical takeaways you can immediately implement within the parameters of those rules. Attendees will learn how to persuade skeptical minds using the pillars of persuasion without violating their ethical duties.

Lunch in Expo Hall

12:10 PM - 1:20 PM Session Details

Sponsored by

(Regulation F) - The Spirit of the Law

1:20 PM - 2:10 PM Session Details

The letter of the law can often bog down an organization with conflict, while addressing the spirit of the law allows for faster response time and overall adaptability, ultimately leading to an increased client and consumer satisfaction. This session will look at specific CFPB responses in their final rule and discuss how our industry and this oversight can pull in the same direction. Considering the overall societal good the rules and regulations are attempting to serve will help the organization understand why specific compliance processes are in place, ensuring these regulations don’t interfere with getting the bill paid.

(Health Care) - Medical Debt Laws: Understanding the States' Interests

1:20 PM - 2:10 PM Session Details

In this session, industry veterans George Buck and Leslie Bender will offer an analysis of the state medical debt protection bills and enacted laws that have become so attractive to a wide range of state legislatures. Sparked by well-organized consumer advocacy efforts, the features of these laws have, in many instances, presented challenging obstacles for healthcare providers and their collection agencies alike. Samples from states like Washington, Nevada and Maryland will be offered to spark discussion in this interactive session. While the pandemic may have muddied the waters and the quickly arriving Reg F deadline - agencies may want to focus some compliance and operations attention on the growing number of state medical debt protection laws.

(Legal) - The Secrets for Success in Dealing with the CFPB, FTC, or State Attorney Generals

1:20 PM - 2:20 PM Session Details

(Members Only) The new leadership teams at the CFPB and FTC are highly progressive, and our industry is a target for investigations, examinations, and audits. Similarly, many state attorneys general target our industry to engage in rulemaking through enforcement. Yet, through strategic advocacy, these inquiries can be successfully managed - - and even closed without any action taken. There are internal procedures that govern what the government staff does in these types of inquiries - - and ignorance is not bliss. In my representation of dozens of clients in our industry, I've learned what works and what doesn't work in handling federal and state inquiries. Learn the strategies and procedures for handling governmental inquiries in this session.

Afternoon Break in Expo Hall

2:10 PM - 3:00 PM Session Details

Sponsored by

(Regulation F) - Using AI to Handle Reg F Challenges

3:00 PM - 3:50 PM Session Details

One of the most challenging sections of Regulation F is maintaining seamless, standard & consistent interactions with consumers across channels. Manual auditing of 100% of multi-channel conversations with consumers with Regulation F is nearly impossible. However, debt buyers and collection agencies are serious about adhering to Reg F across the entire consumer (account) lifecycle and should apply modern AI/ML applications to automate the audit process across calls, text & emails.AI-powered automated compliance workflows can ensure that debt collectors are responding to every consumer opt-out and disputes and honoring every restriction requested by consumers regarding time, place, and medium of communication. Furthermore, cloud-based, conversational note automation platforms can enable debt buyers and agencies to efficiently maintain records that evidence compliance with the FDCPA and Regulation F for three years. Bringing automation to collection workflow is imperative for modern debt collection firms to eliminate Regulation F compliance risks and thrive in the new regulatory environment. With automation, executive leadership at debt buyers and collection agencies can get access to Reg. F violations and analytics on attempted calls, texts, emails, etc., in real-time.

(Health Care) - Partnering with Your Healthcare Clients for Compliance with Regulation F

3:00 PM - 3:50 PM Session Details

Healthcare clients often are uninterested in changes and updates to collection laws. Learn best practices on how to engage with your health care clients and finalize your processes and procedures for compliance with regulation F from the model validation notice to texting and emailing, learn what data you need from your client, and what happens if you don’t get that from your clients by November 30th. Learn how to comply with the model validation notice, including what to do with multiple accounts and multiple agencies. Additionally, agencies will learn about what regulation f has to say about meaningful attorney review for collection litigation.

(Legal) - Debt Defense - A View From The Other Side

3:00 PM - 4:00 PM Session Details

(Members Only) The presentation will look at how this suits are defended by consumer attorneys along with unique compliance challenges. Insight is gained as one presenter include a former debt defense attorney who is well recognized in the filed along with a leading expert in defending federal and state consumer protection claims, including counterclaims brought in debt suits. The presentation will include practice tips for collection law firms and compliance education. Overall the course will involve an ethical perspective along with a practical approach to solving the challenges faced by collection firms.

Exhibitor Teardown

3:00 PM - 5:00 PM Session Details

Ping-Pong for the People – Join Us for a Drink & Table Tennis at SPIN Chicago!

5:00 PM - 6:00 PM Session Details

This isn’t the Olympics – absolutely zero ping-pong skills are required to have a good time at SPIN. So whether you’re training for Paris 2024 or just interested in a little volley, SPIN is the spot for you. Come hang out with us for a happy hour at SPIN Chicago. Light appetizers and drinks will be provided. This is a 21+ event (required by SPIN). Transportation is on your own to and from the venue. Located at 344 North State Street; 0.7 miles from the hotel. Tickets for this event are $55 per person. Proceeds benefit the ACPAC Administrative Fund.

Sponsored by

Registration Open

8:00 AM - 10:00 AM Session Details

Sponsored by

Continental Breakfast

8:00 AM - 8:30 AM Session Details

(Regulation F) - T-minus 27 DaysTill Reg F Launch: Are You Prepared For Takeoff?

8:40 AM - 9:30 AM Session Details

At the time of this session, November 30 will be 27 days away. Are you ready? Even if you think you're ready, attending this session will provide a checklist of absolute imperatives that must be in place to ensure compliance before the rule becomes effective.

(Health Care) - May the Regulation Be With You—Incorporating Reg F into Your Training Program

8:40 AM - 9:30 AM Session Details

Join us as we take you into a far, far away galaxy where you will find discussions that are out of this world! We will take you on a journey through Reg F from a collector perspective, how to prepare your collectors with training tips and tricks related to changes that may affect them, and how to get ready for November 30th!

(Legal) - To Catch a Thief: How Do You Handle an Identity Theft Claim

8:40 AM - 9:40 AM Session Details

(Members Only) This session will explore what a debt collector's obligations are when someone claims identity theft. The presenters will discuss the various ways you can learn about an identity theft claim and your obligations under the FDCPA, FCRA, and state law. After learning about an identity theft claim, can you continue to communicate, or must you cease and desist? Can you continue to credit report noting disputed, or do you have to request deletion? The presenters will also explore how to develop evidence to determine whether or not the identity theft claim is valid. Finally, the presentation will explore what liability occurs under state and federal laws.

(Regulation F) - The Impact of Regulation F on your Compliance Management System

9:50 AM - 10:40 AM Session Details

In this session, we will discuss how the implementation of Regulation F will impact each component of a collection agency's Compliance Management System, including Board & Management Oversight, Policies and Procedures, Training, Monitoring and/or Audit, and Consumer Complaint Response. Implementation of the rule requires buy-in from the top. Changes in procedures and practices will need to be vetted, approved, and supported by top managers—how will that be managed? How will you ensure you are monitoring for script changes? What will you change about your auditing processes to catch compliance or non-compliance with new processes?

(Health Care) - Future of Healthcare Collections – How Technology is Going to Change the Game

9:50 AM - 10:40 AM Session Details

The healthcare market is evolving rapidly from telehealth to home-based care. Covid-19 has sped up the adoption of new healthcare “service delivery models” that will ultimately lead to significant changes to how hospitals think about optimal, workflow technology strategies for healthcare collections. With all the uncertainty in the economy, C-level executives need to consider how to best position their respective healthcare agencies to be a strategic partner to its clients vs. a vendor. We will be addressing this topic and burning issues that are impacting healthcare collections today and how M&A hospital consolidation is changing the current landscape.

(Legal) - Don't be Sus - DOJ Guidance for Corporate Compliance Programs

9:50 AM - 10:50 AM Session Details

(Members Only) A lot of attention is paid to the CFPB’s Supervision, and Examination Manual when companies design or evaluate their Compliance Management Systems (CMS). However, there is another source of authority which should not be overlooked – it’s the “Evaluation of Corporate Compliance Programs” guidance given to federal prosecutors by the Department of Justice (DOJ). Join us as we explore the DOJ guidance, compare it with the CFPB guidance, provide insight into how federal prosecutors view a corporate compliance program and discuss real-world examples of its application in practice. Participants will leave with ideas and practical tips on how they may improve their compliance management systems.

(Regulation F) - Reg F and Technology: Guidance for Complying Depending on Your Software

11:00 AM - 11:50 AM Session Details

Regulation F guidelines require some changes to business processes that can be handled through technology. Depending on the software available to an agency or department, those solutions will look different.

Whether tools are available in the system to easily facilitate compliance or creative strategies need to be employed usually relates directly to the age of the platform and technical proficiency of the staff using it.

Aaron and Jon bring knowledge of many business models and operational platform solutions utilized by the ARM industry. Join them to hear recommended implementation paths to comply with Reg. F no matter how sophisticated your collection platform.

(Health Care) - A How to Discussion on Cybersecurity

11:00 AM - 11:50 AM Session Details

A massive global shift to remote working environments has created an open season for cybercriminals. This means no business, no matter size, is safe from having a target on their backs. It’s time to prioritize and strengthen your company’s security posture. Participants will acquire actionable steps to protect business data against ransomware attacks by boosting their resilience.

(Legal) - Collection Law Firm Compliance with Regulation F

11:00 AM - 12:00 PM Session Details

(Members Only) Collection Law Firms have unique challenges in complying with Regulation F. Make sure your firm is ready to send demand letters compliant with Regulation F and knows what additional information they want to include in the initial letter. Law firms will also learn about the new standards for Meaningful Attorney Review and the new prohibitions on time-barred debt focused specifically on collection litigation. This session will cover these topics and do a deeper dive into implementing controls to make sure you are compliant with the new Regulation F requirements. This session is also relevant to collection agencies who use collection law firms for their legal work.

Speakers

Dennis Barton III

Owner and Managing Attorney
The Barton Law Group, LLC
Chesterfield, MO

Presenter Details

John Bedard Jr.

Owner
Bedard Law Group, P.C.
Duluth, GA

Presenter Details

Leslie Bender Esq.

Senior Counsel
Clark Hill PLC
Washington, DC

Presenter Details

LaDonna Bohling

Chief Compliance Officer
Contract Callers, Inc.
Augusta, GA

Presenter Details

Jack Brown III

President
Gulf Coast Collection Bureau, Inc.
Sarasota, FL

Presenter Details

George Buck

Health Care Professional

Presenter Details

Luke Chamberlain

Associate Attorney
Messer Strickler, LTD
Chicago, IL

Presenter Details

Debra Ciskey

Executive Vice President
CACi
Saint Louis, MO

Presenter Details

Da'morus Cohen

Partner
Holland & Knight
Miami, FL

Presenter Details

June Coleman Esq.

Of Counsel
Messer Strickler, Ltd.
Chicago, IL

Presenter Details

Elizabeth Conklin

Director, Organizational Training and Development
State Collection Service, Inc.
Madison, WI

Presenter Details

 

Jon Daane

Presenter Details

Anthony DiResta Esq.

Attorney
Holland & Knight
Washington, DC

Presenter Details

Shantanu Gangal

CEO & Co-Founder
Prodigal
Mountain View, CA

Presenter Details

Tim Haag

President
State Collection Service, Inc.
Madison, WI

Presenter Details

Andrea Halverson

Of Counsel
Actuate Law LLC
Chicago, IL

Presenter Details

Sarah Headly

President
Peacock Consulting, LLC
Monona, WI

Presenter Details

David Kaminski Esq.

Partner
Carlson & Messer LLP
Los Angeles, CA

Presenter Details

Michael Lamm

President/CEO
Corporate Advisory Solutions, LLC
Philadelphia, PA

Presenter Details

Jessica Lesser

Attorney
Maurice Wutscher LLP
Plano, TX

Presenter Details

John McNamara

Assistant Director
Consumer Financial Protection Bureau - CFPB
Washington, DC

Presenter Details

Porter Morgan IV

Partner
Malone Frost Martin PLLC
Dallas, TX

Presenter Details

Katie Neill Esq.

Associate General Counsel
TrueAccord Corp
Lenexa, KS

Presenter Details

Chanh Nguyen

Chief Information Officer
American Business Communication, Inc.
Wayzata, MN

Presenter Details

Richard Perr Esq.

Co-Managing Partner
Kaufman Dolowich Voluck
Philadelphia, PA

Presenter Details

Nicholas Prola Esq.

General Counsel
Professional Finance Company, Inc.
Greeley, CO

Presenter Details

Aaron Reiter

Director of Sales & Marketing
The InterProse Corporation
Vancouver, WA

Presenter Details

Courtney Reynaud

President
Creditors Bureau USA
Fresno, CA

Presenter Details

Lolita Sosa

Associate
Actuate Law
Chicago, IL

Presenter Details

Dara Tarkowski

Founding Partner
Actuate Law LLC
Chicago, IL

Presenter Details

Lauren Valenzuela Esq.

Corporate Counsel
Performant Recovery, Inc.
Livermore, CA

Presenter Details

Roger Weiss

President
CACi
Saint Louis, MO

Presenter Details

Keith Wier Esq.

Counsel
Maurice Wutschrer LLP
Plano, TX

Presenter Details

Colin Winkler

Corporate Counsel
ACA International
Eagan, MN

Presenter Details

Sponsors

Build Your Brand with a Fall Fourm Sponsorship
 

Bring your brand to life and plug into the community of engaged and diverse ARM professionals attending Fall Forum. Sponsored items or custom packages available to meet you where you are.
Email us at exhibit@acainternational.org for pricing and packages. 
 

Thank you to the 2021 Sponsors:

Exhibitors

ACA is the Framework for Your Success in the Credit and Collection Industry.

ACA’s Fall Forum & Expo is a signature Chicago-based event bringing members together for a final gathering to recap the year and look forward to the next. Hot off the heels of a successful in-person Annual Convention, Fall Forum is currently scheduled to be in-person offering you another opportunity to connect and network with clients. Fall Forum & Expo will include sessions featuring Legal Education (CLE), Health Care and Regulation F. You don't want to miss out, so act fast! Booth space is limited and provided on a first-come-first-serve basis.

Download the 2021 Fall Forum & Expo Prospectus here.

ACA International

Founded in 1939, ACA brings together third-party collection agencies, law firms, asset buying companies, creditors and vendor affiliates, representing more than 230,000 industry employees. ACA establishes ethical standards, produces a wide variety of products, services and publications, and articulates the value of the credit and collection industry to businesses, policymakers and consumers.

Exhibitor Details

Applied Innovation, Inc.

Applied Innovation is helping to shape the future of the ARM industry. Platforms include a robust client portal, document management, payment negotiation, Regulation E electronic payment authorizations and TCPA communication authorization platforms. Partner with a company that understands your business challenges and evolves to provide cutting edge technologies to mitigate those dynamics.

Exhibitor Details

Attunely Inc.

Know which accounts to contact, when to contact them, and how to contact them!

Exhibitor Details

Balto

Powered by AI, Balto listens to both side of a conversation and visually prompts agents with the best things to say, live on every call. Scal best practices to your agents with the push of a button and get immediate insight into what's working and what is not. Visit Balto.ai.

Exhibitor Details

CompuMail

CompuMail cultivates partnerships with our lients to ensure that they receive the best results, under the highest level of data security, at the most competitive price. We provide mailing and communication services, with a real-time protal to meet your management and oversight needs. Technology changes, business changes, but out commitment to service does not.

Exhibitor Details

ezPay365

ezPay365 a payment solutions provider and mobile Digital Debt Recovery platform for consumers to self service Payments consist of all 4 major card brands, ACH & HSA/Flex. Our mobile/internet Digital Debt Recovery platform allows consumer to review accounts in real-time through API direct connect, set-up of payment(s)/plans, Reg E, consumer communication preferences for Text-email & Print Studio based platform for Text & email.

Exhibitor Details

Finvi

Formerly Ontario Systems, Finvi is a premier provider of enterprise technologies that streamline and accelerate revenue recovery for clients across healthcare, government, accounts receivable management, and financial institutions.

Exhibitor Details

Genesys

Latitude by Genesys is a collection software designed to handle all phases of the debt lifecycle. It powers highly efficient collections processes, drives compliance, and maximizes recovery - from early state delinquency through post-charge-off and agency placement. With Latitude, business analysts can collaborate with operations to create business logic and executable workflows. And now Latitude has pre-built integrations to Genesys Cloud CX – the omnichannel inbound, outbound contact center that creditors & collection agencies need in today's heavily regulated world. Every year, Genesys® delivers more than 70 billion remarkable customer experiences for organizations in over 100 countries.

Exhibitor Details

Intelligent Contacts, Inc

Intelligent Contacts provides cloud-based, omnichannel contact center software and PCI-certified payment solutions for the accounts receivable industry. Compliance focused and analytics-powered, our Hosted Contact Center and Intelligent Portals deliver the personalized, automated, and fully mobile convenience businesses and consumers want when communicating (voice, email, text, chat) or paying a bill on their own schedule.

Exhibitor Details

Interactions

Interactions Virtual Collection Agent (VCA) is a technology for creditors and agencies across the debt life cycle that offers an effective, compliant, and judgement-free collection experience that reduces risk and operational expenses. The VCA seamlessly blends Conversational AI and human understanding at real time to increase payment and debt recovery without compromising customer experience.

Exhibitor Details

LiveVox

LiveVox is the only one-stop-shop for true omnichannel engagement that unifies modern channgels, CRM, and WFO functionality into a single cloud customer engagement platform to optimize the customer experience in today's digital age. Facilitating over148 interactions annually. LiveVox makes omnichannel easy by unifying all conversations and interactions in one place. With new features released quarterly, LiveVox remains at the forefront of cloud contact center innovation.

Exhibitor Details

Nobelbiz

Backed by over 20 years of experience, Nobelbiz is a leading telecom and contact center technology company, delivering tailored solutions for debt collection agencies and contact centers around the globe. Their omnichannel collections communication system helps collectors save time, reduce workload and boost recovery rates; all from a single dashboard.

Exhibitor Details

Payment Savvy LLC

As the premier ARM merchant provider since 2010, Payment Savvy handles everything in-house which means innovative payment solutions and an unmatched customer experience are within your reach.

Exhibitor Details

Payscout

Payscout is modernizing payment processing in ARM with Agent- and Debtor-facing solutions for one-time and recurring payments via API, web portal, IVR, text, chat, and more. Payscout’s validated Level 1 PCI DSS Compliant platform features the industry’s only Convenience Fee solution that complies with FDCPA, State Law, and Card-Brand Rules.

Exhibitor Details

Peak Revenue Learning

KNOWLEDGESOURCE is a training platform that brings together all aspects of your training needs, from compliance and job skills to internal policies and application usage. By using the "focused iteration training" capabilities of our platform, you can take advantage of one of the most effective concepts in learning improvement and knowledge retention, the "spacing effect".

Exhibitor Details

Prodigal

Prodigal is a pioneer of Collection Intelligence, a new category of software, which enables lenders, law firms and collection agencies to quickly and efficiently collect accounts receivables. Prodigal's Collection Intelligence platform uncovers actionable insights for banks, lenders, and ARM agencies to maximize revenue, optimize operations, and minimize compliance risk. With our Collection Intelligence Platform, senior executives have complete intelligence about aggregated agent productivity, and FDCPA/TCPA non-compliance in real-time --an imperative for a modern collections business in an increasingly regulated enviornment.

Exhibitor Details

Provana

Provana is a SaaS platform that gives leaders control over process-intensive operations. We serve law firms, insurance companies, accounts receivable agencies and networked enterprises in the US market that are tightly regulated by the CFPB and other authorities. Provana is built on decades of experience in machine learning and natural language processing and helps customer manage sensitive interactions, analyze unstructured data and ensure compliance.

Exhibitor Details

Renkim Corporation

Founded in 1982, Renkim is a 100% employee-owned consumer communications company specializing in the production and distribution of carious types of messaging. Through traditional print/mail and electronic bill presentment, our team of 135 employee-shareholders will ensure that your communication reaches its intended audience in the designated timeframe. With client-partners in the Utility, Healthcare, Marketing, Financial, and Automotive Industries, Renkim has 35+ years of experience in helping build custom communication solutions.

Exhibitor Details

REPAY

With integrated omnichannel payment technology specifically tailored to the ARM industry, REPAY brings speed, convenience and security to the payment experience by enabling credit/debit card and electronic check/ACH payments to be make 24/7/365 via text pay, IVR/phone pay, white-labeled mobile apps, and agent-facing and consumer-facing web portals.

Exhibitor Details

RevSpring

Revspring's comprehensive and compliant payment solutions enable organizations to streamline financial communications, reduce costs, mitigate risks, and improve collection outcomes. The purpose-built solutions take a holistic approach to the consumer's financial journey by providing personalized print, online, phone, email and text communications and payment options.

Exhibitor Details

ROYDAN Enterprises Ltd.

We're the developers of Bloodhound® debt collection software. We pride ourselves on doing things differently-not just the way we design our products, but the way we treat our customers.

Exhibitor Details

Solutions By Text

Solutions by Text is a Premiere Partner of ACA, whose primary focus is delivering critical information in an SMS format Worldwide. SBT has proprietary software designed to adhere to regulations for over 25 years. SBT has partnered with a variety of organizations in multiple industries to design/implement diverse SMS solutions.

Exhibitor Details

TCN, Inc.

TCN is a global provider of a comprehensive, cloud-based call center platform for enterprises, contact centers, business process outsourcing firms (BPOs) and collection agencies. Founded in 1999, TCN supports billions of interactions every year between call center agents and customers.

Exhibitor Details

TEC Services Group, Inc.

TEC Services Group is the recognized leader in the ARM industry for technology and professional services. With over 22 years of experience servicing agencies, software providers and service companies, TEC has the most capable set of industry experts to solve implementation, conversion, compliance and custom projects challenges. In addition, TEC is the leader in providing automated data waterfalls and data vendor management in our industry.

Exhibitor Details

VoApps DirectDrop Voicemail

VoApps DirectDrop Voicemail delivers a voice message directly to the consumer's voicemail box without calling the phone. Immediately increase right party contacts, dollars collected, and liquidation rates. This creates the influx of inbound phone calls responding to DirectDrop Voicemails. New clients can be up and running in two business days!

Exhibitor Details

WebRecon LLC

WebRecon identifies serial litigants lurking in your database BEFORE you contact them and expose yourself to a likely lawsuit. Protect your company from as many as one in three new consumer lawsuits by scrubbing your data through WebRecon first.

Exhibitor Details

Hyatt Regency Chicago

151 E Wacker Dr, Chicago, IL 60601

Reserve Online
Room Rate Cut-Off:Extended to Wednesday, October 20
Room Rate: $189 plus taxes*

Venue Details

Regulation F Listening Room

Members: $349     Nonmembers: $579

Not able to join us in-person? The Regulation F Listening Room has been added for you to listen in on all seven sessions for the Reg F track live.

Please note these are purely LIVE listening sessions. Recordings, Chat and Q&A with the speakers will not be available.
The Listening Room is not included in the registration fee for those attending in-person.
 

10:10 AM - 11:00 AM Central Time

Managing Client Communications

Speaker(s): Jack Brown III, Tim Haag, Courtney Reynaud


11:10 AM - 12:00 PM Central Time

Making Your List, Checking it Twice: Compliant Communications Under Reg F, TCPA and Traced Act

Speaker(s): Leslie Bender, Esq., David Kaminski, Esq. 

The CFPB Reg F imposes new call limitations, i.e., the 7-7-7. The FCC December 30, 2020 Order in line with the TRACED Act also sets further call restrictions for certain calls. Individual States also impose their call limitations. The new proposed Limited Content Message can cause additional complications if not executed correctly. And, what about those prerecorded messages? And, how does the TCPA impact all of your calling strategies under the new rules? Learn real-world compliance practices regarding call limitations as to all rules, how to harmonize all statutory call limitations, and learn strategies to maximize communications with consumers in conformity with all of the new rules.


1:20 PM - 2:10 PM Central Time

The Spirit of the Law

Speaker(s): Sarah Headly

The letter of the law can often bog down an organization with conflict, while addressing the spirit of the law allows for faster response time and overall adaptability, ultimately leading to an increased client and consumer satisfaction. This session will look at specific CFPB responses in their final rule and discuss how our industry and this oversight can pull in the same direction. Considering the overall societal good the rules and regulations are attempting to serve will help the organization understand why specific compliance processes are in place, ensuring these regulations don’t interfere with getting the bill paid.


3:00 PM - 3:50 PM Central Time

Using AI to Handle Reg F Challenges

Speaker(s): Shantanu Gangal, Dara Tarkowski

One of the most challenging sections of Regulation F is maintaining seamless, standard & consistent interactions with consumers across channels. Manual auditing of 100% of multi-channel conversations with consumers with Regulation F is nearly impossible. However, debt buyers and collection agencies are serious about adhering to Reg F across the entire consumer (account) lifecycle and should apply modern AI/ML applications to automate the audit process across calls, text & emails.AI-powered automated compliance workflows can ensure that debt collectors are responding to every consumer opt-out and disputes and honoring every restriction requested by consumers regarding time, place, and medium of communication. Furthermore, cloud-based, conversational note automation platforms can enable debt buyers and agencies to efficiently maintain records that evidence compliance with the FDCPA and Regulation F for three years. Bringing automation to collection workflow is imperative for modern debt collection firms to eliminate Regulation F compliance risks and thrive in the new regulatory environment. With automation, executive leadership at debt buyers and collection agencies can get access to Reg. F violations and analytics on attempted calls, texts, emails, etc., in real-time.
 

8:40 AM - 9:30 AM Central Time

T-minus 27 Days Till Reg F Launch: Are You Prepared For Takeoff?

Speaker(s): John Bedard Jr.

At the time of this session, November 30 will be 27 days away. Are you ready? Even if you think you're ready, attending this session will provide a checklist of absolute imperatives that must be in place to ensure compliance before the rule becomes effective.



9:50 AM - 10:40 AM Central Time

The Impact of Regulation F on your Compliance Management System

Speaker(s): LaDonna Bohling, Debra Ciskey, John McNamara

In this session, we will discuss how the implementation of Regulation F will impact each component of a collection agency's Compliance Management System, including Board & Management Oversight, Policies and Procedures, Training, Monitoring and/or Audit, and Consumer Complaint Response. Implementation of the rule requires buy-in from the top. Changes in procedures and practices will need to be vetted, approved, and supported by top managers—how will that be managed? How will you ensure you are monitoring for script changes? What will you change about your auditing processes to catch compliance or non-compliance with new processes?


11:00 AM - 11:50 AM Central Time

Reg F and Technology: Guidance for Complying Depending on Your Software

Speaker(s): Jon Daane, Aaron Reiter

Regulation F guidelines require some changes to business processes that can be handled through technology. Depending on the software available to an agency or department, those solutions will look different.

Whether tools are available in the system to easily facilitate compliance or creative strategies need to be employed usually relates directly to the age of the platform and technical proficiency of the staff using it.

Aaron and Jon bring knowledge of many business models and operational platform solutions utilized by the ARM industry. Join them to hear recommended implementation paths to comply with Reg. F no matter how sophisticated your collection platform.

COVID-19 Safety Protocols 

Updated October 12, 2021 - Check back often for updates.  

A safe and comfortable experience at ACA International’s (“ACA”) 2021 Fall Forum & Expo (“Fall Forum”) is a top priority for ACA as we plan for your arrival at the Hyatt Regency Chicago in downtown Chicago, Illinois. We have prepared these COVID-19 Safety Protocols with the health, safety and enjoyment of attendees in mind. 

These safety protocols are based on local, state and federal recommendations and mandates. However, given the evolving nature of the pandemic and changing local, state and national guidelines and requirements, safety protocols will naturally be fluid. ACA reserves the right to modify or update these safety protocols at any time so that they are appropriately tailored to the state of the COVID-19 pandemic, its attendant health and safety risks, and national, state, and local requirements and guidelines, during the dates of the event.   

Please check back periodically so you are aware of the safety protocols you will be expected to follow while attending the event. 

By attending Fall Forum, you and anyone travelling with you agree to follow the safety protocols set in place by ACA, Hyatt Regency Chicago, Cook County, the State of Illinois and the CDC, including those stated here and onsite at the event. ACA and Hyatt Regency Chicago reserve the right to ask any attendee or guest to leave the event and hotel premises at any time in the event of a suspected COVID-19 infection, exposure or symptoms. 

HOTEL - Venue & Accommodations 

From Hyatt Hotels: One of our highest priorities for welcoming guests back to Hyatt properties is doing so safely, with your wellbeing in mind. Hyatt continues to monitor the coronavirus (COVID-19) situation closely, keeping those who are affected in our hearts, and listening carefully to the questions and concerns we receive from guests such as you. Learn more about our COVID-19 Travel Update and Hyatt’s Global Care & Cleanliness Commitment

 
ACA - On-site COVID-19 Safety 

Masks 

  • Mask protocol will follow Illinois Department of Public Health and CDC guidelines.
  • As of September 3, 2021, a state executive order will require all individuals over the age of 2 who can medically tolerate a face covering to wear a mask in indoor public places.
  • ACA will provide a mask to each attendee or you may bring your own. 

Hand Sanitizer 

  • Individual bottles of hand sanitizer will be provided to each attendee.
  • Hand sanitizer stations will be positioned in the meeting space. 

Meals & Sessions 

  • Meals: food and beverage service guidelines to reduce risks.
  • Sessions: seating to meet local requirements. Audience microphones will not be passed around the room.  

Social Distancing Bracelets 

  • Red, yellow and green silicone wristbands will be available to help others identify your personal space preferences and help you identify theirs. Be sure to grab your preferred wristband at the ACA Registration Desk when checking in. 

PARTICIPANTS - Self-Screening and Personal Accountability Commitment 

Attendees’ commitment to act responsibly with respect to their own health and the health of others at the event will be critical to the success of Fall Forum.  In that regard, ACA expects all attendees and their guests to conduct daily self-screenings and to self-monitor for COVID-19 symptoms.  Please review the CDC list of symptoms before attending Fall Forum.  

If you are experiencing COVID-19 symptoms or test positive for COVID-19, or are exposed to someone who has COVID-19 symptoms or tested positive for COVID-19, during Fall Forum, we ask that you please promptly notify an ACA staff member and excuse yourself from event activities. You may want to reference the CDC Coronavirus Self Checker at that time to obtain the CDC’s guidelines on staying away from others, testing and medical attention.  ACA and hotel staff will work with you to determine whether and when it may be appropriate for you to return to event activities. 

TRAVEL - TSA & Airlines 

Before you travel, please take time to also understand the protocols put in place by the Transportation Security Administration (TSA) and the major airlines: 

Alaska Airlines 
American Airlines 
Delta Airlines 
Frontier Airlines 
JetBlue 
Southwest Airlines 
Sun Country 

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