In response to the COVID-19 state of emergency declared at the federal level, the Receivables Management Association International (RMAI) leadership is working non-stop to monitor state and federal guidance, provide advice and support for our members, and transition association operations to a remote work environment.  Special thanks to Maurice Wutscher LLP for their assistance in identifying resources.

We will continue to update this page as the information changes.

Updates from RMAI

July 9, 2020: Weekly COVID-19 Member Alert

June 25, 2020: Weekly COVID-19 Member Alert

June 18, 2020: Weekly COVID-19 Member Alert

June 11, 2020: Weekly COVID-19 Member Alert

June 4, 2020: Weekly COVID-19 Member Alert

May 28, 2020: Weekly COVID-19 Member Alert

May 26, 2020: Interview with Jan Stieger: Get to know RMAI Executive Director, Jan Stieger as she shares her insights about the association and the receivables management industry.

May 25, 2020: RMAI Webinar – Prioritizing Employee Well-being

May 21, 2020: Weekly COVID-19 Member Alert

May 14, 2020: Weekly COVID-19 Member Alert

May 12, 2020: RMAI Webinar – Returning to the Workplace in a Covid-19 Environment: A resounding theme of today’s news cycle is returning to work. In this session, we cover the specific technical requirements employers must establish within the office, but through a lens of the particular considerations this transition may have on employees impacted by the pandemic. Eric Ziehlke, Human Resource Specialist, and Bill Dardano, Safety Specialist, will share key information that every employer should know in this highly practical session.

May 7, 2020: Weekly COVID-19 Member Alert

May 6, 2020: RMAI Webinar – Preparing for the Post-COVID-19 Regulatory ReckoningDuring the COVID-19 crisis, the regulatory landscape has changed on a daily, and even sometimes hourly, basis. As a result, many organizations have had to adjust their policies and procedures in real time, while simultaneously shifting their staff to remote environments. It is anticipated that when the proverbial dust settles, state and federal regulatory agencies will audit financial services organizations to ensure compliance with regulations enacted during the COVID -19 crisis. This course discusses how organizations can implement safeguards and other processes in order to pass future regulatory audits.

April 30, 2020: RMAI Webinar – Stay up to Date: Tracking State Level Response to COVID-19 and Impacts to Collections – States continue to take an active role in managing the COVID-19 pandemic and are establishing new orders at a rapid pace. Staying abreast of the ever-changing legislative landscape is extremely important as collection companies look to appropriately manage these changing regulations while also providing quality service and hardship options to their consumers. Certain state orders have a direct impact on collections from dialing, lettering, garnishments, and more. Join Tamar Yudenfreund of Midland Credit Management, Inc. and Alexandra Megaris of Venable as they help us navigate these topics.

April 30, 2020 – Weekly COVID-19 Member Alert

April 24, 2020 – Member Alert: California Exempts CARES Act Payments from Garnishment and Private Student Loan Relief for Californians

April 23, 2020 – Member Alert: Indiana Supreme Court Exercises Rule Making Authority to Protect COVID-19 Stimulus Payments

April 20, 2020Member Alert: New York and Oregon Exempt CARES Act Payments from Garnishment

April 16, 2020 – Member Alert: Washington, Wisconsin, Illinois, Ohio and Nebraska: Five More States Take Steps to Curtail Collection Actions During State of Emergency

April 13, 2020Member Alert: Updated COVID-19 Guidance for RMAI Members

April 9, 2020 – Member Alert: DC Adopts New Restrictions for the Collection of Debt in Response to COVID-19

April 3, 2020 – Member Alert: FAQs from Massachusetts Attorney General

April 3, 2020Member Alert: Nevada Debt Collection Guidance

April 3, 2020 – RMAI Webinar: Navigating Small Business Loans During a Disaster – This 30-minute webinar covered a high-level overview of insurance issues (like business disruption claims and coverage for your work from home employees) and small business funding relief and other options available to you during this pandemic. Dara Tarkowski of Actuate Law and Ben Johnson of Cornerstone Support offered help to navigate these topics.

April 2, 2020 – Member Alert: Update to North Carolina’s March 27 Order Regarding Debt Collection Activity During the COVID-19 Emergency

April 1, 2020 – RMAI Webinar: Updating Your Policies in COVID-19 – This hard hitting webinar covered effective application of your existing dispute, settlement, and other operational policies during this pandemic. David Anthony of Troutman Sanders & Susan Appel of Unifund provided guidance for the industry.

March 30, 2020 Member Alert: Illinois Declares New Rules for Collection Agencies During the COVID 19 Emergency

March 27, 2020 – RMAI Webinar: Impact of Recent State COVID-19 Orders on Collections – Considerations for Hardship Policies – This 30-minute fast paced webinar covered enhancing your current hardship policy along with a review of actions each state has taken. Many states have recently entered orders to combat COVID-19. These orders can impact debt collection. Don Maurice of Maurice Wutscher LLP looked at these orders and what you can do to harmonize them with your operations and hardship policies.

March 27, 2020 – Member Alert: Massachusetts Issues Emergency Debt Collection Regulations

March 25, 2020 – RMAI Webinar: You’re Remote: Now What? – This fast paced webinar covered the regulatory obligations for your work from home employees in the collection industry. Stefanie Jackman from Balard Spahr and Roy Buchholz from Absolute Resolutions Corp. led an operational compliance discussion.

March 25, 2020Member Alert: COVID-19 Resource Page Launched

March 24, 2020 – Member Alert: Updated COVID-19 Guidance to RMAI Members

March 20, 2020 – Member Alert: RMAI and the Credit and Collections Industry Introduce Hardship Provisions for Consumers After COVID-19

March 17, 2020 – Member Alert: RMAI Issues COVID-19 Guidance

Resources for Businesses, Employers and Consumers

RMAI’s Commitment to Consumers

Answers to FAQs Regarding COVID-19

Centers for Disease Control

The CDC updates information and guidance as it becomes available.

Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019
Resources for Businesses and Employers
Situation Summary

For more information, visit and

Consumer Financial Protection Bureau Resources for Consumers During COVID-19 Pandemic

The Bureau is regularly updating its content to meet the needs of consumers confronting COVID-19. Following are links to the information available for consumers:

A Guide to COVID-19 Economic Stimulus Relief
CFPB Policy Statement on Credit Reporting
Protect yourself financially from the impact of the coronavirus
The CFPB continues to help consumers make informed financial decisions with up-to-date information and resources
Protecting your credit during the coronavirus pandemic
Coronavirus and dealing with debt: Tips to help ease the impact
Tips for financial caregivers during the coronavirus pandemic
Statement on Supervisory and Enforcement Practices Regarding Quarterly Reporting Under the Home Mortgage Disclosure Act
Statement on Supervisory and Enforcement Practices Regarding Bureau Information Collections for Credit Card and Prepaid Account Issuers
Statement on Bureau Supervisory and Enforcement Response to COVID-19 Pandemic
Financial Impact of the Coronavirus
Coronavirus Advice for Consumers

For more information, visit

Nationwide Multistate Licensing System

State Agency Communication/Guidance and NMLS Policy Changes

Consumer Data Industry Association


Federal Updates

Judiciary Preparedness for Coronavirus (COVID-19)

The Judiciary is regularly updating its content with the latest information. Federal courts are individually coordinating with state and local health officials to obtain local information about COVID-19, and some have issued orders relating to court business, operating status, and public and employee safety.

View a list of links to all federal court websites and links to court orders, court operations, and other information

For more information, visit


Select Financial Provisions
Read the full text of the U.S. CARES Act

U.S. Department of Labor

Coronavirus Resources
COVID-19 and the American Workplace
Employee Paid Leave Requirements (Employers with more than 50 and less than 500 Employees)

For more information, visit and

U.S. Department of Education

Secretary DeVos Directs Federal Student Aid to Stop Wage Garnishment, Collections Actions for Student Loan Borrowers, Will Refund More Than $1.8 Billion to Students, Families
Coronavirus and Forbearance Info for Students, Borrowers, and Parents

For more information, visit and

U.S. Small Business Administration (SBA)

Federal help for your business through the Economic Injury Disaster Loan Program and SBA Express Bridge Loans.

Coronavirus (COVID-19): Small Business Guidance & Loan Resources

For more information, visit

Federal Trade Commission

Consumer Protection Statement

State Updates

LexisNexis® Interactive Website for Tracking COVID-19 Legislative and Regulatory Action

Links to State Courts and Orders Affecting Debt Collections

Stay at Home Order


Executive Order 2020-18


Executive Order N-45-20
California Emergency Orders
Executive Order N-33-20
California Executive Order N-57-20 Protecting Federal Stimulus Funds from Collections

Colorado District Court General Order 2020-3
Executive Order D 2020 024 Amending and Extending Stay-at-Home Order

Executive Order No. 7-G
Executive Order No. 7-H
Banking Commissioner Memo No Action Position Regarding Temporarily Working from Home Due to COVID-19
Connecticut Department of Banking Directive for Accessibility of Stimulus Funds
Department of Banking Revised Memorandum – No Action Position Regarding Temporarily Working from Home Due to COVID-19 – May 20, 2020

State-at-Home Order

District of Columbia
Mayor’s Order 2020-053
Bill Text and Amendment
COVID-19 Response Supplemental Emergency and Temporary Amendment Act of 2020


Order Declaring Statewide Judicial Emergency
Order Extending Statewide Judicial Emergency
Executive Order



Idaho Consumer Finance Bureau Update
Department of Finance Extension to September 1, 2020, of Temporary Regulatory Guidance Regarding Working from Home Due to Coronavirus/COVID-19 Concerns or Quarantines – May 22, 2020

Guidance to Illinois-Licensed Debt Collection Agencies and Debt Buyers
Executive Order 2020-10
Illinois Department of Financial and Professional Regulation Guidance
Executive Order 2020-25 in Response to COVID-19
Illinois Department of Financial and Professional Regulation, Consumer Credit Licensees – COVID-19 Best Practices
Illinois Supreme Court Order – Response to COVID-19 Emergency/Impact on Post-Judgment Proceedings – Limiting Freezes on Personal Bank Accounts
Illinois Governor Extends Executive Order Through July 26, 2020 – June 26, 2020

Indiana Judicial Branch COVID-19 Responses and Resources
Indiana Supreme Court Order – CARES Act Funds
Indiana Supreme Court Order – Emergency Relief for Indiana Trial Courts Relating to COVID-19
Order Extending Trial Courts’ Emergency Tolling Authority and Setting Expiration of Other Emergency Orders – May 29, 2020

Iowa Judicial Branch Operations Summary
Iowa Division of Banking Regulatory Guidance
Proclamation of Disaster Emergency including Suspension of Additional Debt Collection Provisions
Proclamation of Disaster Emergency and FAQs Regarding Suspension of Garnishments – April 24, 2020

Executive Order 20-16 Stay Home

Executive Order Health at Home
Kentucky Department of Revenue Suspends Enforced Collection Action for Debt Owed to the State

Louisiana Proclamation
United States District Court, Middle District of Lousisana, Administrative Order No. 2020-1, Pandemic Related Curtailed Operations


Orders and Guidance
Guidance Regarding Consumer Credit
Executive Order Number 20-04-03-01 Regarding Repossessions
Order of the Governor of the State of Maryland, Number 20-04-29-03, Prohibiting Garnishment of CARES Act Recovery Rebates

Guidance: Emergency Assistance Provided Pursuant to the CARES Act is Exempt from Seizure by Creditors and Debt Collectors: The AG’s Office has determined that emergency funds that will be issued to consumers through the CARES Act are exempt from seizure or garnishment by creditors under Massachusetts law.
Massachusetts Standing Order 2/20
Division of Banks Message Regarding Support for Mortgage Loan Borrowers
Massachusetts Emergency Regulation 940 CMR 35:00
Massachusetts Emergency Regulation 940 CMR 35:00 FAQs
United States District Court District of Massachusetts Temporary Restraining Order


Enforcement Guidance for Minnesota Statutes
Minnesota Commerce Department Regulatory Guidance 20-19 Updated Work from Home Guidance – April 24, 2020
Emergency Executive Order 20-50 Ensuring the Protection of Emergency Government Support and Consumers’ Financial Security from Consumer Garnishment Actions During the COVID-19 Peacetime Emergency – May 4, 2020
Minnesota Commerce Department Regulatory Guidance 20-27 for Debt Collection Agencies and Debt Collectors – May 15, 2020


Stay at Home Order

Stay at Home Directive

Attorney General Peterson Warns Proceed With Caution When Garnishing Stimulus Payments

Nevada Financial Institutions Division Updated Guidance – March 20, 2020
Nevada Financial Institutions Division Guidance – Moratorium on Collections not Lifted – Governor’s Prior Directives Extended to May 30, 2020
Nevada Health Response, Roadmap to Recovery for Nevada
Directive 021 and Guidance in Effect through June 30, 2020 – May 28, 2020
Nevada Financial Institutions Division Updated Guidance – June 4, 2020
Nevada Lifts “Stay” on Garnishments, Effective June 30 – New Directive Terminates Directive 17, Which Created “Stay” on Garnishments – July 1, 2020

New Mexico
Stay of Issuance of Writs of Garnishment and Writs of Execution in Consumer Debt Collection Cases During COVID-19 Public Health Emergency – June 5, 2020

New Hampshire
Supreme Court of New Hampshire Order Suspending In-Person Court Proceedings

New Jersey
New Jersey Tolling Order
New Jersey Residential Mortgage Relief

New York
Amended Regulation
New York Executive Order 202.13
New York Executive Order 202.11
New York Executive Order 202.8
New York Executive Order 202.6
Guidance on Executive Order 202.6 Essential Businesses or Entities
Guidance to New York State Regulated Financial Institutions
Unified Court System Next Steps Memorandum
Administrative Order of the Chief Administrative Judge of the Courts
Extension of Ban on Collection of Debt Owed to the State of New York
Attorney General James Official Guidance: Stimulus Payments Off Limits to Debt Collectors
Guidance on CARES Act Payments
New York Courts New Electronic Document Delivery System (EDDS) Notice and FAQs – May 4, 2020
Administrative Order AO/87/20 for Further Expansion of Virtual Court Operations – May 1, 2020
State of New York Court of Appeals Notice to the Bar Companion Filing Upload Portal – May 11, 2020
New York State Court System Authorizes Phased Return to Courthouses – May 13, 2020
Five New York City Counties Announce Clerk of Courts May Resume Limited Processing – May 13, 2020
Attorney General James and Governor Cuomo Again Renew Suspension of State Debt Collection as Coronavirus Continues to Impact New Yorkers’ Wallets – May 15, 2020
Message from the NY Chief Justice on Returning of Court Operations – May 18, 2020
New York Forward Business Reopening Lookup Tool
NYS Courts Administrative 111-20 – Electronic Filing System – May 15, 2020
NYC Department of Consumer Affairs Instructions and Form Letter for Individuals Facing Financial Hardship Due to the COVID-19 Crisis – May 8, 2020
New York Forward Loan Fund (NYFLF) – a new economic recovery loan program for small businesses, nonprofits and small landlords
New York State In-Person Courthouse Operations Restored – Message from Chief Judge DiFiore – June 1, 2020
New York State In-Person Courthouse Operations Restored – Updated Message from Chief Judge DiFiore – June 15, 2020
Attorney General James and Governor Cuomo Again Renew Suspension of State Debt Collection as Coronavirus Continues to Impact New Yorkers’ Wallets – June 16, 2020
NYS Courts Administrative 121-20 – Electronic Filing System – June 9, 2020
New York State Housing Court and New Commission – Message from Chief Judge DiFiore – June 22, 2020
NY Courts Updated Message from Chief Judge DiFiore – June 29, 2020
NY Courts Updated Message from Chief Judge DiFiore – July 6, 2020

New York City
NYC Means Business: Reopen & Stay Safe at Work
NYC Renewal Application Deadlines
NYC Workplace Laws
NYC Financial Empowerment Centers
Student Loan Information
Economic Impact Payments from the IRS
NYC DCA Template Cease Debt Collection Letter for Consumers
NYC Small Business Services
NYC Office of Administrative Trials and Hearings (OATH) Hearing Centers

North Carolina
North Carolina Executive Order
Bulletin 20-B-06
Frequently Asked Questions – Commissioner’s Order and Bulletin 20-B-06
North Carolina Department of Insurance Extended Order Requiring Debt Collectors to Offer Deferrals of Debt Payments

North Dakota

Northern Mariana Islands

03/27/2020 Administrative Actions, 2020-Ohio-1166
House Bill 197 – Tolls Causes of Action
Tolling Order/Frequently Asked Questions
Coronavirus Resources
Notice of Applicability of State Law Exemption to Payments Under the Federal CARES Act

Oklahoma Joint Order

Executive Order 20-18 Protecting CARES Act Recovery Rebate Payments from Garnishments
Oregon Department of Consumer and Business Services Division of Financial Regulation, Bulletin No. DFR 2020-14, Providing assistance to debtors affected by the COVID-19 outbreak – April 30, 2020

Order – Tolling
Second Supplemental Order – Tolling

Puerto Rico

Rhode Island
Executive Order
Attorney General Guidance to Rhode Island Financial Institutions and Credit Unions, Creditors, and Debt Collectors, AG 2020-03, Payments Provided Pursuant to the CARES Act Are Exempt from Seizure by Creditors and Debt Collectors

South Carolina

South Dakota

Executive Order
Supreme Court of Tennessee Order Continuing Suspension of In-Person Court Proceedings and Extension of Deadlines

Texas Special Order
Executive Orders
Tenth Emergency Order Regarding the COVID-19 State of Disaster
Fourteenth Emergency Order Regarding the COVID-19 State of Disaster – April 29, 2020 – renewing the Tenth Emergency Order, expiring May 18, 2020
Sixteenth Emergency Order Regarding the COVID-19 State of Disaster – May 14, 2020 – Garnishment and turnover orders may resume


Attorney General’s Directive to Debt Collectors, Creditors, and Banking Institutions on CARES Act Payments

Virginia Executive Order 55 Stay-at-Home
Supreme Court of Virginia Order
COVID-19 Appellate and Local Court Information

Virgin Islands

Proclamation 20-25.0 Extending Stay Home – Stay Healthy
Proclamation 20-49 Garnishments and Accrual of Interest, Amending Proclamation 20-05
Proclamation by the Governor Amending and Extending 20-05 and 20-49 to May 21, 2020, 20-49.1 Garnishments and Accrual of Interest – May 15, 2020
Proclamation by the Governor – Debt Collection Prohibition Extended through June 17, 2020 – May 29, 2020

West Virginia
Executive Order No. 9/20 Stay-at-Home Order and Guidance on Essential and Non-Essential Businesses

Emergency Guidance on Prohibited Debt Collection Practices: Debt collectors who routinely rely on telephone calls as a debt-collection tactic should be forewarned: whether conduct “can reasonably be expected to threaten or harass a consumer” depends on the context, and the worldwide context just shifted dramatically. Practices that may have been typical or customary under normal conditions may be deemed harassment under conditions of a global pandemic.
Emergency Order #12 Safer at Home