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Live Webinar

60-minute live streaming program
  • August 15
  • 1:00 - 2:00 pm EST

Debt Collection Document Retention and Privacy Compliance Requirements

August 15

Gain a better understanding of the consumer privacy protections of the FDCPA and those found in similar statutes.

Many communications technologies (emails, text messages, web portals are just several examples) did not exist when the Federal Debt Collection Practices Act (FDCPA) was enacted in 1977. Both consumers and debt collectors may prefer the efficiency, convenience, control, and privacy of these technologies. However, it is not clear how the FDCPA applies when these technologies are used in debt collection. The Bureau of Consumer Financial Protection (CPFB) has proposed a Debt Collection Practices Rule (Proposed Rule) to clarify the application of the FDCPA to newer communications technologies, and has included proposed record retention requirements applicable to debt collectors.

This topic will highlight the consumer privacy protections of the FDCPA and those found in similar statutes (e.g. the TCPA), and explain the importance of a record retention program in an organization. Regarding the Proposed Rule, this information will explain the new technologies addressed by the Proposed Rule, and how the CPFB proposes to apply the FDCPA to communications made using these technologies. It will help you understand what the Proposed Rule will require regarding record retention, and how to prepare your own records retention program to comply with the Proposed Rule.

Learning Objectives

  • You will be able to describe the basis for and parameters of an effective records retention program.
  • You will be able to identify the specific requirements that may apply to the different communication technologies you utilize in connection with debt collection practices.
  • You will be able to recognize and define what constitutes a communication, attempt to communicate, and a limited-content message under the Proposed Rule, and apply those definitions to your collection practices.
  • You will be able to review your current practices and policies and make improvements based upon the topics of discussion.

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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

Overview of FDCPA, Consumer Privacy, and Record Retention
  • The FDCPA and Its Requirements
  • Consumer Privacy Protections
  • Record Retention- Why It's Important
Communication Technologies, the Proposed Rule, and Consumer Privacy
  • Communications, Attempts to Communicate, and Limited-Consent Messages
  • Restrictions on Use of Certain Media
  • Safe Harbor and Opt-Outs
Record Retention Requirements Under the Proposed Rule
  • Types of Records to Be Maintained
  • Retention Period and Calculating the Retention Period
  • Form in Which Records Must Be Maintained
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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

Live Webinar Registration

  • AL CLE 1.0
     
  • This course or a portion thereof has been approved by the Alabama State Mandatory Continuing Legal Education Commission for a maximum of 1.0 hours credit.
     
  • AR CLE 1.0
     
  • This course has been approved for 1.0 hours of CLE by the Arkansas CLE Board.
     
  • Arizona CLE 1.0
     
  • The State Bar of Arizona does not approve or accredit CLE activities for the Mandatory Continuing Legal Education requirement. This activity may qualify for up to 1.0 hours toward your annual CLE requirement for the State Bar of Arizona.
     
  • CA MCLE 1.0
     
  • Lorman Business Center, Inc. is a State Bar of California approved MCLE sponsor and this course qualifies for 1.0 CLE hours of participatory credit.
     
  • GA CLE 1.0
     
  • This program has been approved by the Georgia Commission on Continuing Lawyer Competency for 1.0 CLE hours.
     
  • HI CLE 1.0
     
  • This program was approved by the Hawaii State Board of Continuing Legal Education for 1.0 CLE credit hours.
     
  • IL CLE 1.0
     
  • This course was approved for a total of 1.0 hours of MCLE Credit by the Illinois MCLE Board.
     
  • ME CLE 1.0
     
  • This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course shall receive 1.0 hours of CLE credit under M. Bar R. 12.
     
  • MS CLE 1.0 (Pending)
     
  • This program has been submitted to the Mississippi Commission on Continuing Legal Education. Approval pending.
     
  • MT CLE 1.0
     
  • This program has been approved by the Montana Commission of Continuing Legal Education for a total of 1.0 CLE credits.
     
  • NH MCLE 1.0
     
  • NH MCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. Lorman Education Services believes this course meets the requirement of NH Supreme Court Rule 53 and may qualify for CLE credit(s). Program Length: 60 Minutes.
     
  • NJ CLE 1.2
     
  • This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 1.2 hours of total CLE credit.
     
  • NV CLE 1.0
     
  • This program has been approved by the Nevada Board of Continuing Legal Education for 1.0 CLE hours.
     
  • NY CLE 1.0 including Areas of Professional Practice 1
     
  • This course has been approved in accordance with the requirements of the New York Continuing Legal Education Board for up to a maximum of 1.0 credit hours in the area(s) of Areas of Professional Practice for 1.00 hour. Each hour may be counted only as satisfying one category of credit. Duplicate credit for the same hour of instruction is not permitted. This course qualifies for both established and newly admitted attorneys. Lorman Business Center, Inc. has a financial hardship guideline. Please contact customer service at 1.866.352.9539 for instructions on how to apply.
     
  • PA CLE 1.0
     
  • This Distance Learning program has been approved by the Pennsylvania Continuing Legal Education Board for 1.0 hours of substantive law, practice and procedure CLE credit.
     
  • RI CLE 1.0
     
  • This program has been approved by the Rhode Island Mandatory Continuing Legal Education Commission for 1.0 hours of CLE credit.
     
  • TN CLE 1.0
     
  • This program has been approved as a distance learning format by the Tennessee Commission on Continuing Legal Education for a maximum of 1.0 hours of credit.
     
  • VT CLE 1.0
     
  • This program has been approved by the Mandatory Continuing Legal Education Board of Vermont for 1.0 hours of CLE credit.
     
  • WA CLE 1.0
     
  • This program has been approved by the Washington State Board of Continuing Legal Education for 1.0 hours of Law & Legal Procedure credit.
     
  • WI CLE 1.0
     
  • This program has been approved by the Board of Bar Examiners for 1.0 hours for use toward the Wisconsin Mandatory CLE requirement.
     
  • WV MCLE 1.2
     
  • This program has been approved by the West Virginia State Bar MCLE Commission for 1.2 MCLE hours.
     
  • CPE 1.2 including Specialized Knowledge 1.2
     
  • Lorman Education Services is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its web site: https://www.nasbaregistry.org/cpas/complaints. For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539. CPE Credit: Maximum Credit Hours: 1.2 each session (based on a 50 minute credit hour). You must attend at least 50 minutes to obtain credit. Field of Study: Specialized Knowledge for 1.2 hours. Prerequisite: basic knowledge of business financials. Level of Knowledge: Intermediate. Teaching Method: Seminar/Lecture. Advance Preparation: None. Delivery Method: Group Internet Based. Please refer to the information in this brochure for outline, course content and objectives. Upon completion of this course, you will receive a certificate of attendance. Final approval of a course for CPE credit belongs with each state's regulatory board. Please note: In order to receive CPE credit for this course you MUST use the streaming audio option, as well as enable and complete the required progress checks.
     
  • Lorman Business Center, Inc. is a registered provider for CPA CPE through the State Education Department of New York, Sponsor number: 000640. The following course will carry the subject area of Specialized Knowledge and Applications for 1.0 hour.
     

Who should attend?

This live webinar is designed for credit and collections managers, attorneys, presidents, vice presidents, lending professionals, business owners, managers and accountants.

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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

John J. (Jack) Pringle, Jr.

John J. (Jack) Pringle, Jr.

Adams and Reese LLP

  • Partner in the Columbia, SC office of the law firm of Adams and Reese, LLP
  • Practice emphasizes all aspects of privacy, information security, and information governance for financial institutions, health care providers, public utilities, and other businesses; helps businesses protect, manage, and communicate information lawfully and effectively
  • Conducts regular seminars and workshops on numerous topics, including legal frameworks and compliance applicable to information security (HIPAA-HITECH, GLB, State Breach Notification Laws, GDPR), marketing and advertising (TCPA, CAN-SPAM, FTC Telemarketing Sales Rule), consumer privacy (FDCPA, FCRA, FACTA), information governance (including collection, retention, management, and destruction or records and documents), and social media
  • Has written several articles in the areas of privacy, data security and information governance
  • Holds the Information Privacy Professional (CIPP-US) designation from the International Association of Privacy Professionals (IAPP), and advises clients on the retention, collection, management, and production of electronically stored information (ESI)
  • J.D. degree, University of South Carolina, 1996; B.A. degree, Washington and Lee University, 1990
  • Can be contacted at [email protected], 803-343-1270, or on Twitter @jjpringlesc
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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

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Product ID: 406072
Published 2019
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