2021 Spring Conference Programming
Compliance and the implementation of the CFPB Debt Collection Rules is front and center for our members and so it will be a major part of NCBA’s Upcoming Educational offerings. We will focus on a combination of interactive peer-to-peer learning, live sessions at the Spring Conference, and virtual webinars throughout the year.
We will help you answer and learn from one another—What are the real life implications of the rule? What are the consequences of non-compliance? And, how can you ensure your solutions meet the requirements of the rule.
CFPB Implementation and Regulator Focus Series
Electronic Communication with the Consumer: Texting and E-Mail
Most consumers prefer electronic communications and Reg. F laid down the framework for doing so, but will/can creditors rights law firms start using this technology? This session will explore how e-mail and texting are treated in the CFPB’s Final Debt Collection Rule, how to remain compliant, and avoid related pitfalls.
Model Validation Letter
The CFPB Final Debt Collection Rule provided a Model Form Validation Notice and a safe harbor for 1692g claims for debt collectors who choose to use it. What could possibly go wrong? Presenters will breakdown the benefits and challenges the CFPB’s Model form provides and how practitioners can implement these changes.
Communicating with consumers via telephone calls has always been a critical segment of the creditors rights law firm process. Learn how the CFPB’s Final Debt Collection Rule treats telephone communications with consumers, including voicemail, Limited Content Messages, call cap tracking, and everything your firm needs to know before you make that call.
Creditors Rights Law Firm Websites
Most law firms have consumer-facing websites. Learn how your website can be a revenue generator and compliant at the same time. Topics we will cover in this session include: payments, required notices, ADA and Reg E compliance.
While it is difficult to please everyone all the time, how you handle consumer complaints can affect the way your practice is perceived by regulators, clients, and the general public. The CFPB recently put a spotlight on how regulated entities respond to those complaints. Under more scrutiny than ever it is important that NCBA members evaluate their consumer response processes before a regulator comes knocking on your door. In this session learn how to prepare the appropriate responses, properly track complaints, and when and how to follow-up and involve your clients.
Other Trends and Topics
We will also take a look at trends and topics specific to our industry.
MAI: Progress, Problems and What’s Next
The NCBA successfully lobbied for the removal of the MAI “Safe Harbor” from the CFPB’s final rule, but we are far from putting this concept out to pasture. This session will explore recent case law and what you need to be aware of when dealing with potential MAI issues, liability, and what may be on the horizon.
Defense Bar Current Case Law Roundup
From Standing to UDAAP and everything in between, Courts have been called on to interpret the FDCPA and how Creditors Rights Firms apply these concepts. Hear from the attorneys that defend attorneys, collection agencies and creditors discuss the details of current case law and how these cases guide our member law firm practices.
Bona Fide Error Defense
The bona fide error defense requires a showing that the debt collector: (1) violated the FDCPA unintentionally; (2) the violation resulted from a bona fide error; and (3) the debt collector maintained procedures reasonably adapted to avoid the violation. Over the past year there have been Court decisions that address this important issue. Learn how these cases provide insight on how our member firms can and cannot use this concept to insulate themselves from liability.
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