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ARM Insider - The Debt Industry's Most-Trusted Daily

Voicemail Emerges Again With Questions of "Communication" and Meaningful Disclosure

Last Friday the Eleventh Circuit Court of Appeals issued an opinion addressing two specific issues under the Fair Debt Collection Practices Act (FDCPA)...

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How to Course Correct Your Speech Analytics Program

Free webinar from Callminer – TODAY at 2pm ET - it's not too late to register!

Many organizations acquire technology to address pressing challenges in their contact center and while your ship initially sets sail on a positive path, changes in executive sponsorship, technology champions and competing priorities can sometimes cause inertia in your program initiatives. But, there is a way to right the ship and course correct your speech analytics program. Find out how. Register today.



Is A Bank A “Debt Collector” Under California’s Rosenthal Act? Maybe Not.

Can a bank be sued for acting as a “debt collector” under the California Rosenthal Act?  You are probably tempted to answer “yes” it can, because you know the Act defines a “debt collector” to include an entity that is collecting on behalf of itself or on behalf of third parties.  But a closer look at the activities performed by employees of the bank in question may reveal that it is not, in fact, collecting on its own behalf. Instead, all collection activities may be handled through separate, though related, servicing companies, or by third parties. A consumer may have no basis for suing the bank under the Rosenthal Act, and elimination of the bank from the action could significantly reduce the available damages and decrease business interruption for bank officers. 

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A Candid Conversation about Compliance - Boca Raton, Florida

18 October 2017 at 10:00 a.m.

Join the Compliance Professionals Forum for an in-person free meeting* where compliance professionals of all levels share their perspectives, accomplishments, and challenges. Problem-solve with local compliance professionals and walk away with strategies that you can implement right away. 

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