SearchPoint Documents

A comprehensive list of ACA's compliance documents, formerly known as Fastfax. Members can locate SearchPoint documents by keyword(s) or document # using the search bar below, or using the tags listed below. Select multiple tags to narrow your search.


1099-c50-state surveyachadding feesaliasasset buyersattorneyautodialersbaitingbankruptcycease communicationscfpbcheckscollection callscollection letterscommercialcredit cardscredit reportingcreditorsdata furnisherdeceased collectionsdisputesdocument retentionecoaeftelectronic paymentsfcrafdcpafirst partygarnishmentglbahealth reformhealthcarehipaaidentity theftinternationallicensingmedicaremini-mirandaminorsmortgagesovershadowingpayday loanspaymentsprivacysecurityservicememberssettlement offersspousesstatestatute of limitationsstudent loanstaxestcpatechnologythird partyudaapvalidation/verificationvoice messagesliability
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“Doctrine of Necessaries” #2036
1099 Cs: Reporting Discharges of Indebtedness #2324
501(r) Final Regulations for Charitable Hospitals #6258
A Brief Summary of Commercial Collection Regulations #2029
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
Australia: Debt Collection Down Under #8041
Bankruptcy and Co signers #3035
Bankruptcy and Pre Petition Checks #1175
Bankruptcy and Spouses #2338
Bankruptcy Reform Overview #2323
Bankruptcy Reform: Notice to Creditors #2322
Bankruptcy Reform: 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
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
Debt Purchasers Required to Send Notice of Purchase to Consumers #4554
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
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
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 Amendments #2051
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
Ninth Circuit decision impacts collectors' ability to obtain consumer reports #1163
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 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 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

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