Between Hitting “Send” and Reaching the Inbox: The (Hidden) Anatomy of Email

When it comes to reaching consumers, it’s no secret that email has surpassed phone calls as the preferred method of communication. In fact, 59.5% of consumers prefer email as their first choice for communication.

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CFPB Announces Plans to Propose Rule Regulating Data Brokers Under the FCRA

In remarks delivered on August 15, 2023 at a roundtable convened by the White House on protecting Americans from harmful data broker practices, CFPB Director Chopra announced that the CFPB plans to propose a rule under the Fair Credit Reporting Act (FCRA) to address the practices of data brokers.  In connection with Director Chopra’s announcement, the CFPB issued FAQs about its rulemaking plans.  Both Director Chopra’s remarks and the FAQs highlight the use of data collected by data brokers to feed artificial intelligence used to make decisions about consumers.

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Latitude by Genesys Supports “Charity: Water”, a Nonprofit Organization

MENLO PARK, Calif -- As summer heat rolled in, the team at Latitude by Genesys selected a thirst-quenching nonprofit to support. Focused singularly on bringing clean and safe water to people around the world, Charity: Water is busy hydrating people year-round through the support of generous individual and corporate donors.

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Ninth Circuit Affirms Dismissal of TCPA Case Involving Text Messages Holding “Prerecorded Voice Messages” Require Audible Component

On August 8, a unanimous panel of the Ninth Circuit issued a decision affirming a district court’s partial dismissal judgment entered in Trim v. Reward Zone USA LLC, holding that text messages did not use prerecorded voices under the Telephone Consumer Protection Act (TCPA) because they did not include audible components.

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What is Account-to-Person (A2P) Messaging?

In today's digital era, effective communication is crucial for debt collectors, looking to maximize their recovery rates. Account-to-Person (A2P) messaging has emerged as a game-changing tool in engaging with consumers and streamlining debt collection processes.

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A Peek at the Disturbing Fine Print of a Debt Settlement Contract

Those of us who have witnessed the frustration of consumers who have paid money to a debt settlement company only to find out their debt hasn’t actually been paid down may have wondered how the consumer got there. Were they tricked? Or did they understand what they were signing up for? A party to one of these agreements recently shared the complete process and unredacted debt settlement agreement with me. The fine print was shocking. Though this can only be directly tied to one debt settlement company, I suspect this agreement is not unique.

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How to Apply Strategic Discipline to Your Collections Strategy

20 September 2023 at 02:00 p.m.

Calls. Texts. Letters. Conversational AI. Time. Channel. Preference.

It’s tempting to throw any combination of approaches to collections strategy together to see what sticks. But if you’re not disciplined in your organization’s approach, you’re leaving money on the table.

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