The Little Engine That CAN Make a Difference
“It would seem that legislative canon that purports to better regulate those institutions deemed ’too big to fail’ is unwittingly creating a class of banks that may be ‘too small to...
The Economy
IACC: 2016 Could Bring Significant Industry Changes – and Opportunities for Businesses that Adapt
This article was submitted by Jessica Hartman, IACC Executive Director Jessica Hartmann Those in commercial credit, collections and related industries will face significant economic and regulatory challenges in 2016, International...
Empirical Evidence Suggests Dodd-Frank Has Led to 14.5 Percent Drop in Consumer Credit
Many industry groups have sounded the cry that increased financial services regulation would have the unintended consequence of shrinking the credit available to the same consumers it was intended to...
ACA International Report: Third-Party Debt Collection Keeps Credit-Based Economy Thriving
WASHINGTON, District of Columbia – January 26, 2016 – Consumers, creditors, and the economy as a whole benefit from the existence of the professional debt collection industry, according to the newest white paper from ACA...
Getting to Know the Utilities Industry
The utilities industry is a highly-regulated market with tremendous regional fragmentation despite its maturity. However, it presents excellent opportunities for ARM companies. Utilities collections accounted for $550 billion in revenue...
The Effect of Switching from a Brunner to a Totality Test for Student Loan Bankruptcy
Student loans are making headlines, whether they’re about the size of the debt, the companies collecting the debt, or the hardships faced by recent graduates paying their debt. Earlier this...
CFPB Director Richard Cordray Addresses Consumer Advisory Board
Thursday, 22 October, the Consumer Advisory Board met to discuss arbitration, trends, and themes in the marketplace — as well as challenges in reaching limited English speaking consumers. Arbitration, however, formed the...
Alternative Lending: The New Frontier for the ARM Industry?
Tim BauerPresident, the iA Institute There have been many articles written and presentations made at conferences on the future of the ARM industry. If you are in this industry, you...
New Academic Paper Urges CFPB to Carefully Consider Impact of Potential New Debt Collection Regulations
George Mason University Foundation Professor of Law and Senior Scholar of the Mercatus Center Todd J. Zywicki has published a Working Paper entitled “The Law and Economics of Consumer Debt...
DBA International Commends George Mason University for Report on the Law and Economics of Consumer Debt Collection and its Regulation
SACRAMENTO, Calif. – A new study conducted by Professor Todd Zywicki of the Mercatus Center at George Mason University indicated that careful evaluation of the current regulatory environment was necessary...