The legal and regulatory landscape around digital communications in collections has shifted dramatically. If your agency hasn’t made the leap yet, you’re leaving money on the table.
In this ACA International Innovation Stage webinar, Avtal Chief Growth Officer John McNamara (former CFPB executive) and veteran creditors’ defense attorney David Kaminski of Carlson & Messer LLP break down the rulings and regulatory changes reshaping how collection agencies can communicate with consumers. From the Supreme Court’s landmark Facebook decision, which effectively removed the autodialer threat from SMS, to the Loper Bright and McLaughlin decisions shifting power from federal agencies to district courts, McNamara and Kaminski explain what these changes mean for your digital strategy in plain language.
They also cover where the real risks still live (AI voice agents, ringless voicemail, and pre-recorded messages all still require prior express consent), why the CFPB’s Reg F safe harbor rules for texting may not be worth the compliance burden, and how email remains one of the most underutilized and legally manageable channels available to agencies today. Whether you’ve been paralyzed by compliance fears or you’re already texting and want to tighten your approach, this conversation is an hour well spent.
