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Rozanne Andersen

Rozanne Andersen

Vice President, Chief Compliance Officer

Rozanne Andersen, J.D., serves as Ontario Systems VP and Chief Compliance Officer. She leads the company’s compliance products, services, and consulting initiatives. Her 28+ years of experience includes roles as general counsel, chief lobbyist, executive vice president and CEO of ACA International. As a frequent presenter and consultant on CFPB-related compliance topics, Rozanne is recognized nationally for her advocacy work on behalf of the credit and collection industry resulting in landmark FDCPA, FCRA, and HIPAA reforms.

Posts by Rozanne Andersen

How the U.S. Supreme Court Just Might Change Your Dialing World

Telephone Consumer Protection Act (TCPA) litigation is hot. Fueled by the 2nd Circuit Court of Appeal’s decision last March in ACA International v. FCC, callers of all types are being sued and cases before all courts are being appealed faster than we can spell...

U.S. Supreme Court Strikes Another Chink in the Governmental Immunity Armor

This week the United States Supreme Court made a ruling that is sending shock waves through the state and local government sector. On November 6, in the case MOUNT LEMMON FIRE DISTRICT v. GUIDO ET AL. CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE NINTH...

Understanding the Marks vs. Crunch San Diego Decision

Editor’s Note: See Rozanne’s February 2019 update, Crunch has Finally Left its “Marks.” The Ninth Circuit’s decision on Thursday, September 20 to endorse an extremely broad definition of what constitutes an autodialer under the Telephone Consumer...

Don’t Forget about Those Pesky Text Terms and Conditions – Elements of the Ts and Cs for the Third-Party Debt Collection Industry

Once you understand how commercial text message services work and the type of text message service your agency will offer consumers, it’s time to draft your Terms and Conditions. Terms and conditions, like any electronic service agreement, detail precisely how...

A Compliant Text Message Service Begins with the Consent – And Ends with Big Results

A text message service (otherwise known as “SMS,” or “short message service”) is the functional and legal equivalent of a voice call placed to a mobile phone. As such, a text message is regulated by the Telephone Consumer Protection Act (TCPA) and triggers all the...

Start Mastering the Text Message and Make Next Year Your Best Yet

Text messaging, like any other consumer communications technology, comes with its compliance challenges – especially for the third-party debt collector. Character limitations; consent, revocation, opt in and opt out requirements; along with the requirements of the...

Collecting Interest on Charged-Off Debt? Time to Take a Closer Look

  Believe it or not, many creditors will not collect interest on a charged-off debt even if they have the right to do so – The compliance mandates are simply that muddy. Where do we go for guidance to decide whether interest may be charged in a situation where...

Move Beyond the Electronic Payment – How Well Do You Know E-Sign?

  As consumers continue to move away from paper and spend more time sending documents and payments electronically, ARM companies need to step up, and keep compliant with the regulations that protect convenience. We’ve covered electronic payments at length – But...

Have You Thought About How the GDPR Might Affect You?

  Most reading this blog will have at least heard of the General Data Protection Regulation (GDPR), the European Union’s (EU) solution to securing and protecting consumer data. This privacy law, many years in the making, took effect on May 25 of 2018 and brings...