What Debt Collectors Need to Know about the California Consumer Privacy Act of 2018

Yesterday, the California legislature passed AB-375, the California Consumer Privacy Act of 2018. It now awaits the Governor’s signature. The law chiefly targets Internet advertisers, but it has significant implications for all companies who collect data about their customers. We reviewed the new legislation to understand how it impacts collections law firms and agencies.

What is the purpose of the law?

Consumers have become increasingly concerned about the use of their data by large Internet companies such as Facebook and Google. Consumer data rights took on added significance in

2019-03-28T20:34:11+00:00

A Short Guide to ADA Compliance for Collections Firms

What is ADA compliance and Web accessibility?

Compliance with the Americans With Disabilities Act (ADA) has a specific meaning when applied to software. It describes the degree to which people with physical and/or mental disabilities are able to safely use software. Disabilities range from those we easily recognize, such as deafness, blindness, and paralysis, to ones that may not be as readily apparent, such as dyslexia, epilepsy, poor eyesight or arthritis.

A non-compliant website is one on which a disabled person cannot perform critical actions. A person with a certain type of colorblindness,

2019-03-28T20:34:11+00:00

EveryBill Launches Web Payment Platform With Accessibility for Users With Disabilities

March 23, 2017 | East Providence, RI – EveryBill LLC has released a major revision of its web payment collection product. The new version has been built from the ground up to ensure safe and convenient access for users with disabilities. It also offers a modern design, mobile compatibility, and a streamlined experience for all users.

“The Internet is supposed to be an equalizer,” said EveryBill CEO Justin Savage, “but as Web technology has become more complex, users with disabilities have been increasingly left out. We didn’t think that was fair and we want to be part of changing it.”

The updated

2019-03-28T20:34:12+00:00

Obama Administration Releases Major Update To Section 508, Mandates Web Accessibility for People with Disabilities

January 5, 2017 | East Providence, RI – The Obama Administration has just released a major regulatory rule updating the standards federal agency websites will need to meet in order to adhere to the requirements outlined in Section 508 of the Rehabilitation Act, according to the Access Board’s Twitter account.

The new regulations require federal agencies to adjust procurement procedures so that all new

2019-03-28T20:34:13+00:00

Free tool checks the security of your payment website

The rules of Internet security are always changing and it can be challenging to stay on top of every new vulnerability that is discovered. Here at EveryBill we address this problem by periodically analyzing our clients’ payment websites with a great free web tool from SSL Labs, a leader in website security analysis. Take a few minutes to try it own your own payment site. All you have to do is enter the URL of the webpage you want to test, and click “Submit.” (Be patient. It takes a few minutes to generate results.)

Test My Website (ssllabs.com)

2017-02-22T20:23:35+00:00

CFPB Lawsuit Has Major Implications for Credit Cards in Collections

January 5, 2015 | Due to a CFPB lawsuit, Global Payments announced last month that it would no longer permit payments associated with collections to be processed through its network. Though the company had not underwritten collections accounts itself, it had allowed banks to process collections payments over its network, provided that those banks assumed the associated financial risk. In light of the lawsuit, however, Global Payments informed banks that they would face fines of $250,000 per month if they continued processing collections payments over its network.

2017-04-03T19:39:48+00:00

IRS Issues Final Rule on Charitable Hospitals’ Debt Collection Practices

On December 29, 2014, the IRS issued a final regulation clarifying rules established under the Affordable Care Act (ACA), which govern the debt collection practices of charitable hospitals. The final regulation further simplifies the compliance process outlined in the IRS’s 2012 proposed guidance.
In a blog post, Emily McMahon, Deputy Assistant Secretary for Tax Policy at the U.S. Treasury, summarized charitable hospitals’ responsibilities under the ACA. Charitable hospitals:
  • May not charge patients eligible for financial assistance more for emergency or medically necessary care than the amounts billed to individuals with insurance.
  • Must establish and publicize policies regarding financial assistance.
  • May not engage in extraordinary collection actions,

2019-03-28T20:34:16+00:00

The Curious Case of Medical Debt

The Consumer Financial Protection Bureau (CFPB), the body that enforces regulations related to consumer finance, recently released a report comparing medical and non-medical debt collections. It suggests that consumers with medical debt owe less money and are more capable of meeting financial obligations than their counterparts with non-medical debt, and that confusion about how and who to pay may be contributing significantly to the problem.

How serious is the medical debt problem?

Of America’s 220 million credit reports, 31.6 percent, roughly 69 million, are in collections. Approximately 43 million of those contain one

2019-03-28T20:34:16+00:00