Shop Download ACA App ACA SearchPoint Events The Hub About Membership Advocacy Compliance Education Insurance News Log In ACA SearchPoint®: A Comprehensive Compliance Document Library Critical Compliance Information at Your Fingertips ACA gives members access to a complete library of compliance resources, covering topics important to running your business. Members can locate ACA SearchPoint documents by keyword(s) or document # using the search bar. Search Documents PDF File 1099-Cs: Reporting Discharges of Indebtedness #2324 PDF File 501(r) Final Regulations for Charitable Hospitals #6258 PDF File Acceptance of Credit Cards by Collection Agencies #9510 PDF File Accord and Satisfaction #2303 PDF File ACH Network Overiview: TEL Entries #1202 PDF File ACH Network Overview: Accounts Receivable Entries (ARC) #1204 PDF File ACH Network Overview: POP Entries #1200 PDF File ACH Network Overview: RCK Entries #1201 PDF File ACH Network Overview: WEB Entries #1203 PDF File Adding Collection Costs to Educational Debts #2068 PDF File Adding Fees to Debts #8000 PDF File Address Discrepancy Requirements #1517 PDF File Adverse Action Notification Requirements Under the FCRA #1176 PDF File Age of Majority #1153 PDF File Agency Names #1134 PDF File Are Collection Notices Required to be Sent by First Class Mail? #1143 PDF File Are State Law Violations Also FDCPA Violations? #3054 PDF File Attorney Collection Notices #3082 PDF File Attorney Communications and the FDCPA #1169 PDF File Attorney Involvement and the FDCPA #2055 PDF File Attorney Representation: Reasonable Period of Time #1138 PDF File Bankruptcy and Co-signers #3035 PDF File Bankruptcy and Pre-Petition Checks #1175 PDF File Bankruptcy and Spouses #2338 PDF File Bankruptcy: Notice to Creditors #2322 PDF File Bankruptcy: Redemption #2321 PDF File Bona Fide Error Defense #1129 PDF File Buying Receivables #4551 PDF File Call Baiting – What Collectors Should Know #3077 PDF File Caller ID Issues #1168 PDF File Can I Collect on a Holiday? #1111 PDF File Can Knowledge be Imputed to a Debt Collector? #2344 PDF File Canada: Alberta Collection Laws #2502 PDF File Canada: British Columbia Collection Laws #2503 PDF File Canada: Manitoba Collection Laws #2504 PDF File Canada: New Brunswick Collection Laws #2505 PDF File Canada: Newfoundland and Labrador Collection Laws #2506 PDF File Canada: Northwest Territories Collection Laws #2507 PDF File Canada: Nova Scotia Collection Laws #2508 PDF File Canada: Nunavut Collection Laws #2509 PDF File Canada: Ontario Collection Laws #2510 PDF File Canada: Prince Edward Island Collection Laws #2511 PDF File Canada: Quebec Collection Laws #2512 PDF File Canada: Saskatchewan Collection Laws #2513 PDF File Canada: Yukon Collection Laws #2514 PDF File Canadian Licensing Chart #3006 PDF File Cease Communication Requests #1136 PDF File Charging Medicare Beneficiaries Extra Fees #3041 PDF File Check 21 Act #3049 PDF File Check Verification and the Fair Credit Reporting Act #4001 PDF File Child Support Collections #3072 PDF File Choice of Law Issues in the Check Collection Industry #4007 PDF File Class Certification #2050 PDF File Collecting After Filing Form 1099-C #2340 PDF File Collecting Debts Online #1207 PDF File Collecting From Home – What Your Agency Should Know #1301 PDF File Collecting from Minors #1254 PDF File Collecting From the Deceased #2061 PDF File Collecting Medicare v. non-Medicare Debt #3037 PDF File Collection Efforts During the 30-day Validation Period #1172 PDF File Commercial Collection Regulations: State Summary #2029 PDF File Common Law and Community Property States #1151 PDF File Commonly Asked Questions About “Closed” States and Collection Activity #2000 PDF File Communicating with Consumers via E-mail #2332 PDF File Communicating with Debt Settlement Companies #3002 PDF File Contacting Neighbors and other Third Parties–State Restrictions #2017 PDF File Continuous Violations Doctrine #2345 PDF File Cooperating with Law Enforcement Agents #2342 PDF File Courts Analyze Addition of Writing Requirement #2331 PDF File Credit Grantors and the FDCPA #8004 PDF File Credit Reporting Medical Accounts #1515 PDF File Creditors and Identity Theft #2053 PDF File Data Furnisher Responsibilities under the FCRA Regarding Consumer Disputes from Consumer Reporting Agencies #1526 PDF File Date of Delinquency Reporting Requirements #1510 PDF File Debt Collection in the United Kingdom #1171 PDF File Debt Collectors and Identity Theft #8043 PDF File Debts Incurred After Filing Bankruptcy #2339 PDF File Direct Disputes from Consumers to Data Furnishers under FCRA #1522 PDF File Discharging Student Loans through Bankruptcy #8051 PDF File Disputes- FDCPA and FCRA #3014 PDF File Doctrine of Necessaries #2036 PDF File Dual Purpose Calls Under the Telephone Consumer Protection Act #9520 PDF File Duty to Screen for Bankruptcy #1156 PDF File Employment Verification: When is it Permitted? #1135 PDF File Envelopes and the FDCPA #1155 PDF File Fair Credit Reporting Act: Relation to State Laws #1518 PDF File FAQs on the CFPB NPRM #1125 PDF File FCRA Disposal Rule in Effect #1525 PDF File FCRA Identity Theft Provisions: Blocking Information Resulting From Identity Theft #1521 PDF File FCRA Identity Theft Provisions: Fraud Alerts and Active Duty Alerts #1513 PDF File FCRA Regulations Requiring Implementation of Identity Theft Prevention Program #1250 PDF File FCRA Truncation Requirements: Credit and Debit Cards and Social Security Numbers #1514 PDF File FDCPA Notification Requirements for Post-dated Checks and Other Recurring Post-dated Instruments #4011 PDF File Federal and State Law Issues for Debt Purchasers #4552 PDF File Federal and State Mini-Miranda Disclosure #1145 PDF File Financial Institutions’ Duty under the FCRA to Provide Consumers with Notice of Furnishing Negative Information #1519 PDF File Frequency of Collection Calls: What Constitutes Harassment? #2333 PDF File FTC Advisory Opinion Regarding Cease Communication and Responding to Disputes #3020 PDF File FTC Final Policy Statement Regarding Collection of Decedents’ Debts # 3076 PDF File Garnishment #3022 PDF File Garnishment: Federal and State Exemptions #3023 PDF File GLBA and Higher Education #2260 PDF File GLBA Notices and the FDCPA: Possible FDCPA Violations #3027 PDF File GLBA Privacy Rule #2257 PDF File Gramm-Leach-Bliley-Act (GLBA) – Safeguards Rule #2255 PDF File Handling Consumer Payments #2006 PDF File Health Care Collections and Third Party Communications #2335 PDF File HIPAA for Business Associates – An Overview #2065 PDF File Hospital Billing and Collection Practices #2805 PDF File In-Person Collections #1167 PDF File International Collections and the FDCPA #1117 PDF File Interstate Chart #3005 PDF File Is the Lack of State Licensure a Violation of the FDCPA? #1152 PDF File Itemization of Collection Notices #1251 PDF File Leaving Messages for Consumers #1146 PDF File Legal Issues for Repossession Agents #3052 PDF File Letter Requirements: Colors, Fonts and Double-Sided Notices #3024 PDF File Letter Requirements: Validation Notice #1148 PDF File Leveraging Attorneys’ Rules of Professional Conduct and Rules of Professional Responsibility to Address Frivolous Litigation # 3061 PDF File Liability for Violations of the FDCPA #3078 PDF File Licensing and Collection Laws for Commercial Collectors #2034 PDF File Manager Requirements #2035 PDF File Medical Debts – Statutes of Limitation and Interest #1158 PDF File Mexico Debt Collection #3062 PDF File Mortgage Deficiency Balances after Foreclosure #3000 PDF File Multiple Agencies or Creditors Collecting on the Same Account #1147 PDF File Multiple States’ Special Text in a Single Collection Letter #1141 PDF File National Do Not Call Registry: Its Effect on the Credit and Collection Industry #9516 PDF File Natural Disasters #3010 PDF File Notification of Filing Form 1099-C #3071 PDF File Offshore Outsourcing #1257 PDF File Overview of PADDs, EFTs and ACH Transactions #4015 PDF File Overview of the ACH Network #4013 PDF File Overview of the Consumer Financial Protection Bureau #3057 PDF File Patient Protection and Affordable Care Act – What it Means for the Collection Industry #3084 PDF File Payday Loans, State Laws and Restrictions #2038 PDF File Payment Card Data Security #1173 PDF File Payment Transaction Fees #4006 PDF File Permissible Purposes under the FCRA #1154 PDF File Political Campaigns and the use ADADs #3038 PDF File Pre-Collect, Billing and the FDCPA #1114 PDF File Private Right of Action under FCRA § 615 #2052 PDF File Private Student Loan Disclosure Requirements #3036 PDF File Recording Conversations #2027 PDF File Regulation E #2330 PDF File Regulation FF – Fair Credit Reporting Act Medical Information Regulations #1527 PDF File Reportable Information #3001 PDF File Reporting Commercial Debt on a Consumer’s Credit Report #1528 PDF File Return Fee Entries via the ACH Network #3070 PDF File Right to Cure #2025 PDF File Rules for Data Furnishers Regarding Accuracy and Integrity #3026 PDF File Service Charges for Returned Checks Chart #3004 PDF File Service Fees: When is a Point of Sale Sign Required? #1216 PDF File Settlement Offers #1142 PDF File Signatures on Negotiable Instruments: Liability for Check When Signature Differs From Account Holder #1220 PDF File State Branch and Resident Office Requirements #1160 PDF File State Caller ID Laws #3067 PDF File State Check Chart #3007 PDF File State Collection Laws: Communication with Spouses #2040 PDF File State Communication Chart #3008 PDF File State Credit Reporting Laws #1255 PDF File State Interest Rates #2015 PDF File State Laws Covering First-Party (Creditor) Collections #2044 PDF File State Laws Governing Oral Communication with Consumers #2011 PDF File State Laws Governing the Use of Automated Dialing and Announcing Devices (ADADs) #2308 PDF File State Laws Imposing Attorney Restrictions Fastax #3068 PDF File State Laws Requiring First-Party (Creditor) Collectors to Provide Mini-Miranda Disclosure #8050 PDF File State Licensing and Registration Contact Information and Fees #1133 PDF File State Licensing Requirements for Changes in Ownership #2031 PDF File State Licensing Requirements for Debt Purchasers #4553 PDF File State Operational Definitions for Debt Collector and Debt #2030 PDF File State Private Cause of Action Civil Penalties #3064 PDF File State Record Maintenance Requirements #2037 PDF File State Registration Requirements for Individual Collectors #2019 PDF File State Requirements for Agency Relocation or Closure #3073 PDF File State Requirements Regarding Notice of Dishonor and Affidavit of Mailing for Check Collection #1215 PDF File State Right-of-Assignment Laws #2028 PDF File State Service Fee Statutes #1218 PDF File State Special Text Required Notices #3048 PDF File State Special Text Statutes #2008 PDF File States Requiring Review of Collection Letters #1157 PDF File States That Require Collection Agencies to Prominently Display Licenses #2042 PDF File Statute of Limitations on Telecommunication Charges #3031 PDF File Statute of Limitations: Effect of Partial Payments or Promises to Pay #2026 PDF File Statutes of Limitation: Collecting Out-of-Statute Debts #1119 PDF File Statutes of Limitations #1122 PDF File Stop Payment Checks #1222 PDF File Student Loan Consumers’ Rights #2063 PDF File Student Loan Reform under the Healthcare and Education Reconciliation Act #3050 PDF File TCPA and the Junk Fax Protection Act #9517 PDF File TCPA: Caller ID #3066 PDF File TCPA: Jurisdiction #3074 PDF File Technology & the FDCPA #1115 PDF File Telephone Consumer Protection Act (TCPA) Definition of Autodialer #9512 PDF File Telephone Consumer Protection Act (TCPA): An Overview of the TCPA and the FCC’s Regulations #9515 PDF File Telephone Consumer Protection Act (TCPA): Autodialers, Prerecorded Messages and Consent #9511 PDF File The Bank Secrecy Act #3060 PDF File The Bankruptcy Code and the FDCPA #1166 PDF File The Credit CARD Act #3018 PDF File The Effectiveness of Rule 68 Offers of Judgment in Class Action Lawsuits #2060 PDF File The Electronic Signatures In Global and National Commerce (E-SIGN) Act #3021 PDF File The Equal Credit Opportunity Act #8044 PDF File The Pintos Decision and Permissible Purposes #1163 PDF File The Servicemembers Civil Relief Act #2312 PDF File Third Party Communications # 2067 PDF File Trust Account Information #2041 PDF File Understanding Federal Student Loans – an Overview #1177 PDF File Understanding the Military Lending Act #8047 PDF File Undetermined Service Fees #1174 PDF File Unfair, Deceptive or Abusive Acts and Practices #2336 PDF File Uniform Commercial Code: A Summary of Relevant Sections #2010 PDF File Use of Aliases #2018 PDF File Use of Social Security Numbers #1140 PDF File Venue for Filing Suit #2066 PDF File Verification of a Debt #1126 PDF File Verification of a Debt: State Specific Requirements #1127 PDF File Website Collections – A New Frontier #3055 PDF File Wrong Party Contact #3045 ACA leads the accounts receivable management industry through education, advocacy, and resources designed to help members succeed. 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