RMAI publishes white papers  and educational resources on various receivables management industry topics including the RMAI Receivables Management Certification Program, asset classes, and more.

The Purchase, Sale, and Collection of the Fintech Asset Class (July 2022)

The area where financial service products and technology merge is popularly referred to as fintech. Fintech lending has experienced significant growth in the last several years, leading to an increase in nonperforming accounts. Fintech lenders are turning to the receivables management industry for contingency collections and portfolio debt sales. To better understand this asset class, its characteristics, opportunities, and unique issues as it relates to collections, the RMAI Fintech Legal Working Group, formed in 2021, developed this primer.

Understanding the Receivables Management Industry: A Guide to Key Concepts, Terms and Acronyms (April 2022)

This educational resource is designed for receivables management industry employees and others who want to learn about the receivables management industry. The guide is a user-friendly reference to common receivables management terms and acronyms; an exploration of the life cycle of a debt in collection; explanations of the different business models within the industry, how they differ, and the type of debt they collect; federal and state laws regulating the industry; and licensing information.

The Impact of the Receivables Management Certification Program on Litigation (2019)

A before-and-after analysis of lawsuits filed against businesses certified through the Receivables Management Association International (RMAI) Receivables Management Certification Program (RMCP) found that after certification, litigation against RMAI’s certified businesses, as an average, decreased by 20.8% in the seven-year span from 2012 to 2018. Looking at a breakdown of the litigation by areas of law, the lawsuits filed against violations to the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and the Telephone Consumer Protection Act (TCPA) experienced similar declines after certification.

Executive Summary Impact of Certification Program on Litigation

Infographic on the Impact of Certification Program on Litigation

The Value of Resale on the Receivables Secondary Market (April 2016)

Consumers, businesses, and the government all rely on the availability and extension of credit to purchase goods and services. This White Paper will share the important role that “account receivables” play in a credit-based economy and the risks associated with prohibiting the marketability of title on the secondary market.

Executive Summary Value of Resale Paper

Out-of-Statute-Debt: What Is a Smart, Balanced, and Responsible Approach? (June 2015)

Out-of-statute debt (OSD) has received considerable attention. This report provides an analysis of the debt buying and collection industry and looks, in particular, at three aspects of the out-of-statute debt issue: (1) the law related to OSD; (2) the adverse public policy consequences of a ban on the collection OSD; and (3) RMAI’s recommendations for OSD collection reform.

Executive Summary Out-of-Statute Debt Paper

White Paper on the Debt Buying Industry (April 2015)

The debt buying industry is a critically important segment of the nation’s credit-based economy. This white paper explains the industry, the economic benefits that are returned to originating creditors and consumers, the regulatory framework in which the industry operates, recent state regulatory trends, and RMAI’s Debt Buyer Certification Program.

Executive Summary Debt Buying Industry