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CFPB Issues Bulletin on Treatment of Confidential Supervisory Information

The bulletin provides guidance on the legal responsibilities companies have regarding how they treat confidential supervisory information, as well as a warning on the limitations of nondisclosure agreements and the CFPB's access to required information. Read the announcement

ACA of Texas Hosts Annual Conference Feb. 16-18

The American Collectors Association of Texas is holding its 67th Annual Conference & Expo at the Crowne Plaza Hotel in Austin from Feb. 16-18. Member pricing is available for all ACA International members regardless of their state unit. Read the announcement

BillingTree Seeks Input for 2015 ARM Industry Operations, Technology and Payments Survey

BillingTree, an ACA International affiliate member based in Phoenix, is conducting its third consecutive ARM Industry Operations, Technology & Payments Survey of professionals in the credit and collection industry. Read the announcement

ACA Member Companies Named as Finalists for Training and Development Programs

Several ACA member companies are among the annual Training Top 125 finalists from Training magazine, which ranks companies' excellence in employer-sponsored training and development programs. Read the announcement

5 Things To Do After Filling Out Your FAFSA

You submitted your 2015-2016 Free Application for Federal Student Aid (FAFSA®)! Wondering what happens next? Read the announcement

ACA Board Member Reviews FDCPA Debt Collection Letter Requirements

Delta Outsource Group COO Nick Jarman, in a blog on, explains the importance of compliance with the FDCPA's requirements on sending debt collection letters as well as the challenge it presents when communicating with consumers. Read the announcement

U.S. Department of Education's Student Aid Training Conference Materials Now Available

The Department of Education hosted its 2014 Federal Student Aid Training Conference in Atlanta last month with nearly 6,000 registrants in attendance. For those unable to attend, PowerPoint slides and audio recordings of select sessions are now available on the FSA conference website. Read the announcement

U.S. Department of Education Released College Rating System Framework

The Department of Education is promising to develop and publish a federal college ratings system by the 2015-16 school year. An explanation of the proposal announced last month is now available. Read the announcement

HELP Chairman Harkin Unveils Bill to Reauthorize Higher Education Act

Higher Education Affordability Act would reduce college costs, hold schools more accountable to students and taxpayers, and help families make informed decisions about college.  Read the announcement

CFPB Finalizes Rule to Promote More Effective Privacy Disclosures

On Oct. 20, 2014, the Consumer Financial Protection Bureau (CFPB) finalized a rule to promote more effective privacy disclosures from financial institutions to their customers. The new rule, which was proposed in May, allows companies that limit their consumer data-sharing and meet other requirements to post their annual privacy notices online rather than delivering them individually.  Read the announcement

ACA Shares Significant Changes Proposed for Fair Credit Reporting Act

On Sept. 10, 2014, Rep. Maxine Waters (D-Calif.) introduced the Fair Credit Reporting Improvement Act of 2014 in conjunction with the House Financial Subcommittee on Financial Institutions and Consumer Credit hearing, An Overview of the Credit Reporting System. The act aims to update the Fair Credit Reporting Act with several new provisions or fixes.  Read the announcement

U.S. Department of Education Released Pre-Publication of Federal Register Notice

The U. S. Department of Education has released a Publication of Federal Register Notice Inviting Postsecondary Educational Institutions to Participate in New Experiments Under the Experimental Sites Initiative. Read the announcement

U.S. Department of Education 2014-2015 Federal School Code List of Participating Schools

The U. S. Department of Education has updated 2014-2015 Federal School Code (FSC) List of Participating Schools on the Information for Financial Aid Professionals (IFAP) Web site.  Read the announcement.


U.S. Department of Education Federal Pell Grant Payment and Disbursement Schedules

2014-2015 Federal Pell Grant Payment and Disbursement Schedules.   visit


Court Rules That Collectors Must Comply with Both the Bankruptcy Code and the FDCPA

Third Circuit Court of Appeals rules that a consumer can bring Fair Debt Collection Practices Act claims in a bankruptcy proceeding.  Read more about this ruling Third Circuit Court of Appeals


U.S. Department of Education Deadline for Underuse Penalty Waiver

Deadline for 2014-2015 Underuse Penalty Waiver for the Campus-Based Programs is February 7, 2014.   visit


U.S. Department of Education Federal Pell Grant Program Reconciliation

Federal Pell Grant Program Reconciliation.   visit


U.S. Department of Education Electronic Announcements

2014 Electronic Annoucements.   visit


InsideARM: "Precollect" Causes FDCPA Heartburn for Collectors and Creditors

Creditors seeking to reduce collection costs often ask collection agencies for "precollect" efforts at a discount from normal contingent fee rates. Some collection agencies provide lettering services – with all calls and payments directed to the creditor – at a flat rate per letter or account. 


U.S. Department of Education TPD Discharge Information

TPD Discharge Information - Reminder of July 1, 2013 Effective Date for Changes to Total and Permanent Disability Discharge Regulations– visit


U.S. Department of Education Launches 'Pay As You Earn' Student Loan Repayment Plan

New option provides lower monthly payments to help borrowers responsibly manage student loan debt

The U.S. Department of Education announced today that many borrowers are now able to take advantage of a new repayment plan that could lower their monthly federal student loan bills. The plan, known as Pay As You Earn, caps monthly payments for many recent graduates at an amount that is affordable based on their income. This new option follows through on President Obama's promise to provide student borrowers with relief on their student loan payments and help them responsibly manage their debt.

Read more: U.S. Department of Education Launches 'Pay As You Earn' Student Loan Repayment Plan

Economic Impact of 3rd Party Debt Collection

Recovery of consumer debt by third-party debt collectors on behalf of America's public, private and nonprofit sectors has significant effects on our nation's economic health. To measure the annual impacts of third-party debt collection on the national and state economies, ACA International commissioned global advisory firm Ernst & Young to conduct a survey in the fall of 2011.

ConServe Awarded Top Performer on Federal Treasury Collection Contract

Continental Service Group, Inc., d.b.a. ConServe, is pleased to announce that they have been recognized as top performing collection team by The U.S. Department of the Treasury, Financial Management Service for the period April 2012 – June 2012. ConServe was selected to be one of four Private Collection Agencies who assists FMS in the collection of non-tax debts owed to the Federal Government.

ED Collector ConServe Earns Spot on 2012 Inc. 5000 List

Inc. Magazine ranked ConServe No. 2812 on its sixth annual Inc. 5000, an exclusive ranking of the nation's fastest-growing private companies. The list represents the most comprehensive look at the most important segment of the economy—America's independent entrepreneurs.

ED Launches Online Student Loan Management Tool

Today, the U.S. Department of Education released a new interactive loan counseling tool to provide students with financial management basics, like information about their current loan debt and estimates for student loan debt levels after graduation. Students can access the new resource, known as the Financial Awareness Counseling Tool, on

Remarks by the President on College Affordability

So some of the most fun I've had as President is when I get a chance to talk with you, college students, about the importance of earning a higher education in today's economy.

Student Debt Rises by 8% as College Tuitions Climb

Americans are borrowing more to pay for college while reducing other debt as a weak job market prompts more people to go to school and tuition keeps climbing, new Federal Reserve Bank of New York data show.

InsideARM: ED Debt Collection Contractor ConServe Announces Call Center Expansion

Continental Service Group, Inc. (dba ConServe) recently announced that it has expanded its operations by adding 13,000 square feet of office space immediately adjacent to its current corporate headquarters facility which has the capacity to support a total of 125 additional employees.

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