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


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,


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


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


EveryBill’s Platform Recognized by U.S. Department of Health and Human Services

September 29, 2016 | East Providence, RI – EveryBill’s healthcare payment platform won an honorable mention in the United States Department of Health and Human Services’ “A Bill You Can Understand” challenge. The national competition sought designs for systems that will dramatically simplify the experience of paying medical bills. 84 teams competed, including some from well-known healthcare software companies.

EveryBill’s platform lets patients see and pay all of their medical bills in one place, and is scheduled to launch in 2017.

The competition judges recognized EveryBill for its “excellent human-centered design process,” and for “working with stakeholders across the ecosystem.” They were especially impressed


Health Insurance Commissioner appoints EveryBill’s Director of Healthcare Products to Administrative Simplification Task Force.

EAST PROVIDENCE, RI, OCTOBER 4, 2015 – EveryBill Director of Healthcare Products Jacob Chase-Lubitz has accepted an appointment to the Rhode Island Health Insurance Commissioner’s Administrative Simplification Task Force. He will work with representatives from Rhode Island’s largest healthcare companies and community organizations to compose recommendations for reducing the cost and increasing the efficiency of healthcare administration.

“It’s an exciting opportunity to help make a complicated industry a little simpler for people,” Mr. Chase-Lubitz said, “and I hope to offer some insight on how technology can help active that.” He added that “Rhode Island’s size makes it one of the few


The CFPB Is Coming After Healthcare

The Consumer Financial Protection Bureau (CFPB) has made a name for itself as one of the government agencies most willing to take bold enforcement action. It investigates not only the businesses directly involved in wrongdoing, but also those it perceives to have facilitated that wrongdoing. That is why every organization related to patient payments in the healthcare industry should be concerned about the CFPB’s behavior over the last year.

The CFPB’s Approach

A review of CFPB press releases reveals a general trend in the way it approaches industries. It first studies them—producing reports, participating in conferences, and


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,


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