As a member of the American Collectors Association (ACA International), Ajuba's collections compliance program works to ensure adherence to compliance-related checkpoints at all levels of our organization to ensure the privacy and confidentiality of all collections related information such as financial data, consumer demographics and client information.

 

The components of our Collections Compliance Program are as follows:

The Fair Debt Collections Practices Act (FDCPA)

The Fair Credit Reporting Act (FCRA)

The Federal Trade Commission Guidelines (FTC)

The ACA Code of Ethics

The Federal Communication Commission Guidelines (FCC)

The Gramm-Leach-Bliley Act (GLB) and

The Health Information Portability and Accountability Act (HIPAA)
Depending on the type of debts and paper outsourced, Ajuba customizes the Compliance Program for each client thereby ensuring the highest standards of compliance to all federal regulations and state laws governing the specific vertical or type of business.

Continuous Training:
All our collections training and implementation materials are sourced from the American Collectors Association (ACA International) or developed in-house by our panel of content developers and signed off by Compliance Specialists.

Audits:
Our operations team performs a rigorous self-assessment process including periodical audits to ensure ‘practice matches policy' in all compliance matters. All collectors undergo mandatory compliance training and have to take periodical assessments to be certified on compliance.

Dialer technology:
Our dialer technology is completely aligned with the various federal and state compliance regulations to ensure we follow all legal requirements associated with dialing time, call recording, automated mnessaging campaigns and calling regulations at federal and state specific levels.

Click to view the full text of the FDCPA http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
Click to view the full text of the FCRA
http://www.ftc.gov/os/statutes/031224fcra.pdf
Click to view the ACA code of Ethics
http://www.acainternational.org/about.aspx?cid=88
Click to view the full text of the GLB Act
http://www.ftc.gov/privacy/privacyinitiatives/glbact.html
Click for detailed information on HIPAA
http://www.hhs.gov/ocr/hipaa/
Click to know more about ACA International
http://www.acainternational.org/
 
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