With the recent launch of OpenAI’s “omni” model, we are now deep in the
era of Generative AI. The capabilities of artificial intelligence have been
greatly expanded, with large language models performing a variety of complex
tasks such as code writing, art creation, quality assurance, and even fraud detection.
As society adapts to these changes, the collections industry must also embrace
Generative AI and explore its vast potential to solve common challenges.
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Consumers cannot opt out of receiving mail through the United States Postal Service; at least according to a Judge in the Eastern District of Texas. Per the court, a preference to avoid physical mail is outside the scope of the consumer’s right to limit the time and place of communications.
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On April 23, the Governor of Tennessee signed into law HB 2711 (the “Act”) which amends, among other things, the state’s Consumer Protection Act. In particular, the Act establishes the factors that a court may consider when determining a civil penalty for violation of the Consumer Protection Act. The court may consider (i) the defendant’s participation in the attorney’s general complaint resolution process; (ii) and the defendant’s restitution efforts prior to the action; (iii) whether there was good or bad faith; (iv) injury to the public; (v) one’s ability to pay; (vi) the public’s interest in eliminating the benefits derived by the violator; and (vii) the state’s interest.
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