Introductory Survey Course on Receivables Management


4 credits | 3 hours, 20 minutes

The Introductory Survey Course on Debt Buying is required for RMAI certification. Recorded at the 2020 RMAI Annual Conference, this online course qualifies for four (4) credits towards your Certified Receivables Compliance Professional (CRCP) designation. Course length is 200 minutes (or 3 ½ hours).

Price: $250 member rate / $325 non-member rate (nonrefundable registration)

Ethics as the Cornerstone of a Compliance Management System


2 credits | 2 hours

This webinar, Ethics as the Cornerstone of a Compliance Management System, satisfies the Ethics requirement for RMAI certification. Recorded on May 21, 2014, this online course qualifies for two (2) credits towards your Certified Receivables Compliance Professional (CRCP) designation. Course length is approximately two hours.

Price: $74 member rate / $104 non-member rate (nonrefundable registration)

Agency Enforcement Actions and Attorney General Inquiries – as if Lawsuits Weren’t Enough!

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour |1 Credit

Sponsored By:

Join our panel discussion regarding regulatory enforcement trends of the State Attorneys General and the hot topics in enforcement today. The expert panelists will take a look at the past to better strategize for the future, discuss how to respond to a government inquiry, and review best practices that you can employ in your business.

Recorded on February 24, 2021, this webinar is approximately 1 hour.

CCO Series: Letters – Regulation F’s Do’s and Don’ts (Part 5 of 5)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour |1 Credit

Sponsored By:

Regulation F Part I and Part II cover the do’s and don’ts for letters. While previous webinars in this series have focused on new and exciting technology we can use to communicate with consumers, we cannot forget about the tried-and-true letters. Now more than ever we need to ensure we are compliantly sending letters and getting the most from both our letters and the vendors we use to send them. Join our presenters in discussing the ‘new’ debt validation letter to learn:

  • How to fall under its safe harbor,
  • What you need to do to make sure your letter vendors comply with the new debt collection rule, and
  • Ways to get as much value out of every consumer communication attempt, especially those that involve letters.

Get your company ready for the Rule’s effective date of November 30, 2021, by attending the RMAI 2021 Annual Conference. On Tuesday, April 13, 2021, leading legal and operations experts present six hours of specialized, consecutive sessions covering the most challenging sections of the new Rule from compliance and operations perspectives. These must-attend sessions will be simultaneously presented live at the Aria Resort & Casino and via livestream to virtual attendees. Registration is open.

Recorded on January 14, 2021, this webinar is approximately 1 hour.

CCO Series: Time, Place and Manner Restrictions – Oh My! Breaking down Reg. F’s Requirements and Strategies for Compliance (Part 4 of 5)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour |1 Credit

Sponsored By:

Join us for a deep dive into Reg. F’s provisions relating to the time, manner and place of permitted debt communications with consumers. Our presenters will explore what Reg. F says (and does not say) with regard to permissible contact windows, how to identify inconvenient times and places and communicating with consumers while at work. We will also discuss the final requirements and restrictions for using text and email to communicate, options for transferring related consent to such methods of contact and opt out requirements. The presenters will conclude with a discussion of proposed best practice considerations and recommended oversight controls. This session is a must for anyone with responsibility for overseeing the implementation of consumer contact strategies and the use of email and text in collections. (The Rule’s effective date is date is November 30, 2021, one year after the date of publication in the Federal Register.)

The CCO series is designed for chief compliance officers, but open to all other industry professionals.

Recorded on January 7, 2021, this webinar is approximately 1 hour.

CCO Series: Text Messaging and Safe Harbor – How to Navigate New Regulation F’s Bona Fide Error Defense (Part 3 of 5)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour |1 Credit

Sponsored By:

With the release of the long-awaited final Debt Collection Rule (Rule), the CFPB has given the collection industry guideposts between which debt collect collectors may communicate with consumers with confidence that their electronic communications will not violate the law prohibiting unauthorized third-party disclosure.  Attend this session to learn how to use the safe harbor, why some are disregarding the safe harbor and the mechanics of the bona-fide error defense for text message communications articulated in the new Regulation F.  (The Rule’s effective date is date is November 30, 2021, one year after the date of publication in the Federal Register.)

The CCO series is designed for chief compliance officers, but open to all other industry professionals.

Recorded on December 17, 2020, this webinar is approximately 1 hour.

CCO Series: Email and Safe Harbor – How to Navigate New Regulation F’s Bona Fide Error Defense (Part 2 of 5)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour |1 Credit

Sponsored By:

With the release of the long-awaited final Debt Collection Rule (Rule), the CFPB has given the collection industry guideposts between which debt collect collectors may communicate with consumers with confidence that their electronic communications will not violate the law prohibiting unauthorized third-party disclosure.  Attend this session to learn the precise location of those guideposts and mechanics of the bona-fide error defense for email communications articulated in the new Regulation F.  (The Rule’s effective date is date is November 30, 2021, one year after the date of publication in the Federal Register.)

The CCO series is designed for chief compliance officers, but open to all other industry professionals.

Recorded on December 10, 2020, this webinar is approximately 1 hour.

Top 10 Ways to Lose at Trial

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour |1 Credit

Sponsored By:

This presentation focuses on the most common procedural and substantive defenses that can lead to a creditor’s failure to prove its debt at trial.

From their expert viewpoint, the presenters impart practical tips and strategies for avoiding pitfalls in pursuing debt collection lawsuits. These experienced creditor rights attorneys have a combined 60 plus years’ experience in successfully representing creditors.

Benefit from a step-by-step analysis of preparing a claim for suit, the examination of documentation supporting the claim, and effective communications in preparation for trial.

Recorded on December 9, 2020, this webinar is approximately 1 hour.

CCO Series: Reaching Consumers/Persons by Telephone Under the CFPB’s New FDCPA Rule (Part 1 of 5)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes with 30 minutes of Q&A |1 Credit

Sponsored By:

In the first 30-minute webinar of the series, the course presenters will review in detail the provisions of the CFPB’s Final FDCPA Rule about (1) telephone contact frequency limitations, (2) limitations on attempts to call and (3) leaving voicemails. Additionally, the presenters will discuss the “limited content message,” when it may be used, whether it is an attempt to communicate, and the new Rule’s interpretation that the limited content message is not a “communication” under the FDCPA. Presenters will also discuss the CFPB’s rationale behind the Rule’s call frequency limitations, as well as the “rebuttable presumption” of compliance with the limitations. Following the presentation, the presenters will take questions.

The CCO series is designed for chief compliance officers, but open to all other industry professionals.

Recorded on December 3, 2020, this webinar is approximately 1 hour.

Diversity & Inclusion: Bridging the Generational Gap

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Sponsored By:

Bridging the Generational Gap, a webinar from the RMAI Diversity & Inclusion Task Force, features a moderated discussion by Missy Meggison with FFAM360 with a Baby Boomer, a Gen Xer, and a Millennial. This webinar presents engaging conversation regarding the cultural differences between the generations and ways to bridge generational gaps in order to be inclusive and maximize each individual’s potential within an organization. Panelists include Mark Naiman, Cassidy Moss and Craig Antico.

Recorded on November 10, 2020, this webinar is approximately 1 hour.

The Election Results & The CFPB Rule: A Look Ahead at the Next Three Months

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

On October 30, 2020, the Consumer Financial Protection Bureau released the long-awaited final Debt Collection Rule (Rule). The Rule takes effect one year after the date of publication in the Federal Register and, among other things, addresses consumer communications providing clarity around the use of email and text messages and communication frequency. Federal Legislative/Regulatory Counsel, Dan Crowley, K&L Gates; RMAI Treasurer, Anne Thomas, Cavalry Portfolio Services, LLC; and RMAI President, Jim Mastriani, Velocity Portfolio Group, Inc., will provide an overview of the Rule, share their perspectives, insights and observations and give a look ahead following the election.

Recorded on November 6, 2020, this webinar is approximately 1 hour.

Does Your Data Support Your Story? How to use your Data to Defend Claims, Improve Liquidation and Ensure Compliance

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Sponsored By:

Your data and documentation policies and procedures are essential, but if you cannot prove that you follow them, you are not getting the protections in which you have invested. Understanding the data you need, the use cases for analyzing your data, and the most powerful ways you can present your data is critical. During this webinar, two of the most seasoned litigators and one of the most recognized compliance experts in the debt buying and debt collection industry will join forces to cover topics such as:

  • Using data to establish the Bona Fide Error defense
  • Developing data to defend a meaningful attorney involvement case
  • Using data to defeat class certification
  • Leveraging data during regulatory examinations
  • Mining deactivated and ported number data to defeat a TCPA claim
  • Using data analytics to tell your story

We will also identify the top five common mistakes debt purchasers and their agencies make with data retention, document retention, and data analysis.

Recorded on October 15, 2020, this webinar is approximately 1 hour.

Vendor and Service Provider Management & Oversight

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Sponsored By:

A robust Vendor and Service Provider Program evaluates and minimizes compliance risks related to consumer financial laws. The presenters of this course will share their expertise on how to implement a program that measures risk from your due diligence processes through your monitoring and auditing procedures.

Recorded on September 24, 2020, this webinar is approximately 1 hour.

Federal Update: 2020 Has Been an Active Year (AVAILABLE TO MEMBERS ONLY)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Pricing:
Special Member Pricing – Legislative Fund Donors*
• Complimentary unlimited registrations for members contributing $500 or more September 1, 2019, to September 1, 2020, or $5,000 or since   January 1, 2019, to RMAI’s Legislative Fund.
*Members may donate to the Legislative Fund now to meet the $500 contribution requirement for
complimentary unlimited registrations.

Regular Member Pricing – Non-Legislative Fund Donors
• $99 per registration for members contributing less than $500 to RMAI’s Legislative Fund

Not available to non-members.

No doubt about it – 2020 has been extremely busy on the federal front. Between regulatory activities, judicial decisions and unprecedented activity on the Hill, the receivables management industry has been the focus of numerous proposals and decisions. In this fast-paced webinar, you’ll get up-to-date on what’s been going on and the work being done leading up to the 2020 elections. We’ll conclude the session with insight, predictions, and ramifications of the various potential election outcomes.

Recorded on September 9, 2020, this webinar is approximately 1 hour.

State Legislative Update – A Year Like No Other (AVAILABLE TO MEMBERS ONLY)

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Pricing:
Special Member Pricing – Legislative Fund Donors*
• Complimentary unlimited registrations for members contributing $500 or more September 1, 2019, to September 1, 2020, or $5,000 or since   January 1, 2019, to RMAI’s Legislative Fund.
*Members may donate to the Legislative Fund now to meet the $500 contribution requirement for
complimentary unlimited registrations.

Regular Member Pricing – Non-Legislative Fund Donors
• $99 per registration for members contributing less than $500 to RMAI’s Legislative Fund

Not available to non-members.

Despite a shortened state legislative calendar due to the COVID-19 pandemic, the receivables management industry has seen a record number of laws passed at the state level in 2020. Significant laws were adopted in Colorado, the District of Columbia, Maryland, Maine, New York, Virginia, and Washington within the first half of the year. Additional laws may still be adopted in California, Massachusetts, New York, and Ohio before year’s end. Learn how these new and proposed laws can impact your operations and how RMAI is responding.

Recorded on September 2, 2020, this webinar is approximately 1 hour.

Combating State Court Consumer Counterclaims

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Consumer counterclaims present a frustrating dilemma and tough strategic choices for debt collectors.  Essentially required to bring most collection actions in state small claims courts, debt collectors routinely find themselves defending counterclaims, including federal claims before elected judges and state court juries.  This webinar will examine common threatened and filed state court counterclaims, strategies for handling counterclaims, practical differences between counterclaims and affirmative claims, procedural considerations, and practical strategies to deal with consumer counterclaims.

Recorded on August 27, 2020, this webinar is approximately 1 hour.

ICYMI: A Legal Update for Debt Buyers and Debt Collectors You Can’t Afford to Miss

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Sponsored By:

During the past several months, debt buyers have justifiably focused their attention on issues related to COVID-19 preparedness. Managing workplace issues and tracking and complying with various state restrictions imposed on debt collection during the pandemic became a full-time job for many.  Yet despite government and court closures, significant regulatory and case law developments have taken place during this same period of which you should be aware.

Join us for a fast-paced update and we’ll catch you up on important recent cases about e-mail and telephone communications, collection letter issues, statute of limitation disclosures, and new rules for consumer-facing web portals maintained by a debt collector, to highlight just a few.  We will also discuss enforcement of the CCPA, recent OCC and FDIC Madden rulemakings, the Supreme Court’s decision regarding the constitutionality of the CFPB and other regulatory developments.

Recorded on August 12, 2020, this webinar is approximately 1 hour.

Breaking Down the New York City Department of Consumer Affairs New Foreign Language Rules and FAQs    

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

The New York City Department of Consumer Affairs (DCA) has adopted new rules requiring licensed collection agencies to maintain records of consumer language preferences. The rules require debt collectors to disclose whether they provide “language access services.”  Debt collectors must also request and record the consumer’s language preference. The rules were adopted on May 28, 2020, and became effective June 27. RMAI just received word from the New York City Department of Consumer Affairs (DCA) that they will extend the enforcement Grace Period on their new Foreign Language rule from August 26, 2020, to October 1, 2020. RMAI notified members of the new foreign language rules in Member Alerts distributed on June 12, June 18, and June 26 and continues communications with the DCA.

Some of the rules are unclear, making compliance problematic. RMAI has reached out to DCA raising several concerns and in response, DCA has issued FAQs. Anne Thomas and Don Maurice will discuss the FAQs and whether they resolve open issues like:

  • Do the rules apply to creditors?
  • What is a “language access service” and does it differ from translation or interpretation services?
  • If your organization provides translation or interpretation services, what are the implications if you disclose that these services are “language access services?”
  • What is the difference between “Limited English Proficiency” and a “language preference” and why should it matter to your organization?
  • If an organization provides translation or interpretation services in a foreign language, must it communicate in that foreign language?
  • What other steps can your organization take to comply with the rules and address the ambiguities that are found throughout the new rules.

Recorded on August 10, 2020, this webinar is approximately 1 hour.

What if COVID Comes Back?

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

As we enter into the next phase of the COVID-19 outbreak, infections continue to rise, Are you ready for a second round of stay at home orders? What measures are you taking to prepare your office for the return of COVID? Join us on Tuesday, July 21, 2020, to hear Anita Manghisi from Independent Recovery Resources, Inc. and Tom Mohr from Beam Software discuss the important aspects to keep in mind when preparing for another outbreak.

Discussion Topics Include:

*   Finding out if working from home has increased your companies productivity
*   What investments have you made to protect your employees and what resources do you need to add
*   Looking back at how you handled the issues and what you can do better next time around
*   Technology and Equipment necessary for working from home for an extended period

Recorded on July 21, 2020, this webinar is approximately 1 hour.

Your IT Disaster Recovery Plan – the lifeline of your business

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour|1 credit

Sponsored By:

Disaster recovery plans are an integral part of any business. Does yours have what it takes? Join Andrew Lencioni and Chris Burroughs as they share some catastrophes companies experienced, how their disaster recovery plans saved their businesses and what you can learn from them.

Recorded on June 24, 2020, this webinar is approximately 1 hour.

Prioritizing Employee Well-being

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

As part two of our Returning to the Workplace webinar, we will be discussing the topic of employee well-being. As businesses begin to reopen across the country, there is a strong draw to get things “back to normal.” But, the COVID-19 pandemic has affected everyone in different ways, and many of our most important employees may have emotional concerns about getting back to the office. In this session, we will discuss the critical steps that business leaders need to take to lead their teams with confidence and empathy through this transitional time.

Recorded on May 26, 2020, this webinar is approximately 1 hour.

In Case You Missed it During Quarantine: New Developments in the Receivables Management World

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour| 1 credit

Sponsored by:

How about a webinar that does NOT address COVID-19 developments?  These are unprecedented times for sure, and while various federal, state, and local governments have issued pandemic specific orders and regulations that impact our industry there are still important things happening in the rest of our world.  Join our panel of experts who will discuss recent developments in the FDCPA, TCPA, and state consumer protection statutes as well as recently enacted and pending legislation addressing privacy rights that impact the collection of receivables.

Recorded on May 19, 2020, this webinar is approximately 1 hour.

Returning to the Workplace in a Covid-19 Environment

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

A resounding theme of today’s news cycle is returning to work. The federal government has released its three-phase “Opening Up America Again” program and state governments are beginning to develop their plans for restarting their local economies. Yet, even as workplaces prepare to open up around the country, the need for proper risk mitigation policies and practices, balanced with genuine care for employees and their families, remains as important as ever.

In this session, we will cover the specific technical requirements employers must establish within the office but through the 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.

Recorded on May 12, 2020, this webinar is approximately 30 minutes with Q&A

Preparing for the Post-COVID-19 Regulatory Reckoning 

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

During 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.

Discussion Topics Include:

  • Exploring the potential scope of post-COVID 19 regulatory audits
  • Tracking new regulations
  • Capturing and implementing policy and procedure changes
  • Demonstrating compliance with temporary and permanent policy and procedural changes
  • Managing vendors

Recorded on May 6, 2020, this webinar is approximately 30 minutes with Q&A

Stay up to Date: Tracking State Level Response to COVID-19 and Impacts to Collections  

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

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. 

Discussion Topics Include:

  • Review of select state orders impacting credit card, consumer loan, student loan, and medical collections
  • Creation of synergies between state orders and hardship policies
  • Effective methods for tracking state level requirements including effective dates, estimated end dates, and extensions
  • Tracking state order expiration dates and preparing to unwind servicing changes

Recorded on April 30, 2020, this webinar is approximately 30 minutes with Q&A

FCRA Updates In Light of COVID-19 and Current Litigation Trends

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

1 hour | 1 credit

Sponsored by:

Across the consumer financial services industry, credit reporting risk and compliance remain a top concern as seen in a recent consent order issued by the CFPB against a federal savings association for failing to comply with the Fair Credit Reporting Act (FCRA) and the Consumer Financial Protection Act (CFPA). Litigation and regulatory enforcement under the FCRA continue to increase, and most industry watchers expect that trend to continue. FCRA violations alleged by regulators or asserted in private litigation can prove costly to furnishers and credit reporting agencies alike, and require advance planning and investment in effective compliance controls to reduce potential risk.

Discussion Topics Include:
• An overview of CARES Act reporting requirements and discussion of related guidance on how to comply with the same;
• State law collection restricting or impacting credit reporting during a pandemic;
• Tips for effectively managing and responding to identity theft claims, including opportunities to use automation to more efficiently identify and respond to consumer disputes; and
• Current approaches and recommended best practices for reporting debt sales and consumer bankruptcies

Recorded on April 21, 2020, this webinar is approximately 1 hour.

Navigating Small Business Loans During a Disaster

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

This 30-minute fast-paced webinar will cover 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.  Join Dara Tarkowski of Actuate Law and Ben Johnson of Cornerstone Support as they help us navigate these topics.

Recorded on April 3, 2020, this webinar is approximately a half-hour.

Updating Your Policies in COVID-19

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

This hard-hitting webinar will cover the effective application of your existing dispute, settlement, and other operational policies during this pandemic.  Join David Anthony of Troutman Sanders & Susan Appel of Unifund as they provide guidance for the industry.

Recorded on April 1, 2020, this webinar is approximately a half-hour.

Impact of Recent State COVID-19 Orders on Collections – Considerations for Hardship Policies

***Qualifies for RMAI Current Issues requirement for re-certification (4 credits required)

30 minutes | 1/2 credit

This 30-minute fast-paced webinar will cover the 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 will look at these orders and what you can do to harmonize them with your operations and hardship policies.

Recorded on March 27, 2020, this webinar is approximately a half-hour.