ACA INTERNATIONAL for ACA INTERNATIONAL
What was lobbied
4 issue areas, each in the filer's own words, with who lobbied on it and where.
Consumer Issues/Safety/Products CSP
Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act S. 1624 - HEALS Act
| Lobbyist | Covered position, as disclosed |
|---|---|
| LEAH DEMPSEY | — |
| PATRICK RUSSELL | — |
Financial Institutions/Investments/Securities FIN
Issues related to related to Operation Chokepoint H.R. 189 - Financial Institution Customer Protection Act of 2019 - To provide requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, and for other purposes. H.R. 1595 - Secure And Fair Enforcement Banking Act of 2019 - To create protections for depository institutions that provide financial services to legitimate businesses. S. 1200 - Secure And Fair Enforcement Banking Act of 2019 -This bill generally prohibits a federal banking regulator from penalizing a depository institution for providing banking services to a legitimate marijuana-related business. S. 3612 - The Small Business Expense Protection Act of 2020
| Lobbyist | Covered position, as disclosed |
|---|---|
| LEAH DEMPSEY | — |
| PATRICK RUSSELL | — |
Communications/Broadcasting/Radio/TV COM
Issue related to the Telephone Consumer Protection Act Issues related to the FCC Declaratory Ruling for default call blocking Issues related to call blocking and labeling technologies Issues related to Shaken/Stir Issues related to Federal Data Privacy legislation H.R. 946 - Stopping Bad Robocalls Act - To amend the Communications Act of 1934 H.R. 3375 - Stopping Bad Robocalls Act - To amend the Communications Act of 1934 H.R.1304 - To require the Federal Trade Commission - in consultation with the Federal Communications Commission, to establish a robocaller bounty pilot program, and for other purposes H.R. 1421 - HANGUP Act - To repeal debt collection amendments made by the Bipartisan Budget Act of 2015 H.R.1575 - To amend the Communications Act of 1934 to lengthen the statute of limitations for enforcing robocall violations, and for other purposes H.R. 1602 - TRACED Act To deter criminal robocall violations H.R. 2015 - To implement a forfeiture penalty for violations (with or without intent) of the prohibition on certain robocalls S.151 - TRACED Act - To deter criminal robocall violations and improve enforcement of section 227(b) of the Communications Act of 1934, and for other purposes. S. 626 - HANGUP Act - To repeal debt collection amendments made by the Bipartisan Budget Act of 2015 S.819 - The FCC Reporting Modernization Act - To modernize the reporting requirement under the Telephone Consumer Protection Act of 1991 S.4159 - E-SIGN Modernization Act of 2020
| Lobbyist | Covered position, as disclosed |
|---|---|
| LEAH DEMPSEY | — |
| PATRICK RUSSELL | — |
Budget/Appropriations BUD
Issues related to the Telephone Consumer Protection Act Issues related to call blocking and labeling
| Lobbyist | Covered position, as disclosed |
|---|---|
| LEAH DEMPSEY | — |
| PATRICK RUSSELL | — |
Shown as published by the Senate Office of Public Records and the House Clerk under the Lobbying Disclosure Act. The official filing is the record; open it for the full form.