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TCPA

The Telephone Consumer Protection Act of 1991 (TCPA) is the primary law in the U.S. governing the conduct of telemarketers. Its primary regulator is the Federal Communications Commission (FCC). The TCPA restricts the use of dialers, prerecorded voice messages, SMS text messages received by cell phones, and the use of fax machines. As such, debt collectors often find themselves restricted in the communication technology they can use, especially when the technology is not explicitly mentioned in the law. For example, until the FCC issued a declaratory ruling in 2008, the ARM industry was tacitly restricted from using autodialer technology to call mobile phones. Similarly, the use of text messaging is currently a legal gray area for debt collectors.

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John McNamara Departs for the CFPB; Dusty Whitesell Rejoins LiveVox to Lead Marketing

LiveVox Inc., a leading provider of cloud contact center solutions for enterprise operations, announced that CMO John McNamara will be departing LiveVox to take a position with the Consumer Financial Protection Bureau (CFPB). Dusty Whitesell, an operations expert with over 25 years in the creditor servicing-BPO industry will re-join LiveVox to lead its marketing efforts.

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Dials, Contacts, and the Difference: Collection Calls to Consumers

Much has changed the technological landscape from the early days of the FDCPA to today. In 1978, we didn’t have cell phones or caller ID. The consumer could either sit there and listen to the ring on the phone and not answer it, or he might be compelled to take it off the line and let the person hear a busy signal. Either way, consumers were aware that the call was being made at the time. In this “new normal,” what are the best practices?