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Convenience Fees to Maryland Residents

It is recommended that you download and read the Notice from the Maryland Commissioner and follow closely future guidance from ACA on this subject.

The Maryland Commissioner of Financial Regulation cites the case law in Ashly Alexander, et. al. v. Carrington Mortgage Services, LLC, Case No. 20-2359 (4th Circuit, Jan. 19, 2022)

It appears that the Maryland Commissioner of Financial Regulation has interpreted the Ashly case law to include payments made to collection agencies. Recommendation is to talk to your compliance attorney for direction. However, it appears that collection agencies should  immediately stop charging convenience fees on any form of payment made by a Maryland resident on a consumer collection account. Further, if you have a vendor who processes your payments, you should make sure the vendor is not charging fees on Maryland consumer payments. 


D.C. City Council Passes Final Debt Collection Legislation Taking Effect in 2023

ACA International reports that on Tuesday, June 7, 2022, the DC council unanimously approved the “Protecting Consumers from Unjust Debt Collection Practices Amendment Act of 2022.  While there was action on a “permanent” bill on June 7, it won’t take effect until next year and the council essentially extended the current “temporary” legislation the industry has already been working under by passing a new temporary bill to bridge the gap until the new legislation takes effect in January. ACA is reviewing the final legislation and amendments.  Read more.

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Membership: What's in it for me?

ACA's April 2018 high-level snapshot of the association’s recent accomplishments coupled with updates on various projects is available for download.  If you have ever wondered what you're getting for your annual dues, this is the publication to review.

Topics covered include compliance, legislation, education, and advocacy.  DOWNLOAD

Economic Impact of Third-Party

Debt Collection

ACA International released the 2017 Ernst & Young survey which provides an in-depth overview of the economic importance of the third-party debt collection industry on the U.S. and individual state economies.

Based on data from 2016, the report details the industry’s contribution to employment, asset recovery and other fiscal categories.  Since 2013, the last year a similar survey was conducted, the amount of debt collected has increased by 42 percent, which translates to a return of $67.6 billion to creditors in 2016.

Key state findings of this landmark study include:

For more detailed reports,

visit ACA International's Industry News page.


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